Workers Compensation Rates Still Stable Despite COVID-19
A recent Rough Notes article, “Workers Compensation: An Oasis in a Dry Desert: An Island in Stormy Seas,” finds that despite COVID concerns, the workers compensation market is still stable.…
VU Resources
Emerging Risks Mean New Risk Exposures and Insurance Solutions
Each year, the CRO (Chief Risk Officer) Forum, formed in the Netherlands in 2004 to advance risk management practices in the insurance industry, provides an update on emerging risks. Its…
The Challenges of the Canine Liability Exposures and the Standalone Canine Liability Policy
In a recent article we wrote on the problems of canine liability, agents asked where they could obtain a standalone canine liability policy. Our guest writer, insurance agent Debbie Turner,…
Are Your Employees a Flight Risk?
It’s hard to find and keep great employees. Just when you relax a bit, thinking you’re fully staffed and everyone’s happy, someone gives notice. Or perhaps an applicant you’ve offered…
Back to Basics – What is Coinsurance and How Do I Describe it to My Clients?
Coinsurance may be the least mentioned yet easily explainable clause in both commercial and personal property and other policies. You will find coinsurance clauses in many types of policies. These…
Back to Basics – What’s New in Premises Liability Exposures?
Recent settlements and jury verdicts against property owners and managers hit with premises liability claims continue to climb. Whether your clients own a tavern, a manufacturing plant, manage apartment complexes,…
Back to Basics – Insurers Increasingly Imposing Warranties and Safeguards on Commercial Property Policies
An interesting post on LinkedIn by risk management consultant Jack Schwartz, managing director at Davis + Gilbert Risk Management, caught my attention. The issue, according to Schwartz is that insurers…
Understanding Dog Bite Liability and Coverage Issues
Approximately 4.5 million dog bites occur in the U.S. each year, according to the Centers for Disease Control and Prevention (CDC). According to DogsBite.org, from 2005 to 2017, 433 Americans…
An Agent Call to Action: Underinsurance
Is it time to re-visit the methodology used by agents to determine replacement costs and/or re-construction costs? How confident are you that the real property replacement values that you develop…
Professional Liability Exclusions Can Create Uncovered Claims Under Commercial General Liability Policies
The Coronavirus created many growth opportunities for today’s commercial and residential contractors. Now is the time for agents to query their contracting clients to ensure their clients have made no…
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