VU Resources

Vacation Season is Open Season for Burglars

Summertime can be a bonanza for burglars. If you insure second homes owned by “snowbirds,” the risk of burglary increases during the summer, especially in July and August, according to…

yellow colorful travel bag with straw hat and sunglasses isolated on blue

The Coming and Going Rule in Workers’ Compensation Claims

The coming-and-going rule in workers’ compensation claims management can determine whether an adjuster or administrative law judge finds an injury compensable. Because each state drafts its own workers’ compensation laws,…

DBAs: Back Again, With a Not Necessarily Surprising Decision

Massachusetts highest court refuses to expand coverage beyond “DBA” in named insured, resulting in no coverage for $14m consent judgment in April 2022. Read on to learn more.

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Personal and Advertising Injury Primer

Coverage Part B of the CGL is often overlooked. The focus seems to be on Bodily Injury and Property Damage (Coverage Part A); however, personal and advertising injury is an…

House model in cracked asphalt. Earthquake disaster

The Scourge of Social Inflation

Social inflation refers to factors unrelated to general inflation in the economy that underlie rising court awards. Although there are some who deny the existence of social inflation, the preponderance…

2022 ISO Homeowners’ Changes in Chart Form

Charts are probably the most helpful resource for keeping track of key Homeowners’ policy provisions. Being able to see key information in one, easy-to-read form aids in memory and retention;…

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What Agents Need to Know About the New Flood Rating (Risk Rating 2.0)

The NFIP has promulgated a new rating program for all flood policies – Risk Rating 2.0. The goal is to modernize flood rating using technology and history to develop somewhat…

county road in essex of flooded road with a person paddling down the road in a kayak

When Does Injury or Damage “Occur”?

An agent asks: When coverage is provided by two different carriers for two different policy periods and injury or damage occurs, which CGL policy should respond to the loss?

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