VU Resources

Back to Basics – What is Spoliation in Insurance Claims?

The Oxford Dictionary defines spoliation as “the act of ruining, destroying or spoiling something,” according to. In short, it means that something that should be kept is lost, destroyed, or…

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Is Heating Oil a Pollutant?

Here’s a great example of why the majority of your large and small contractors need pollution coverage. The Rhode Island Supreme Court decision found in favor of the insured, but…

Back to Basics: What is Product Recall Coverage?

Manufacturers both large and small position their products into the consumer market, whether food, supplies, or equipment. Normally, rigorous testing helps to ensure the product is safe. However, end users…

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Should an Agency Purchase E&O Coverage from One of Its Carriers?

Agencies have many options available for the placement of their E&O coverage. For some agencies, one of the options is purchasing E&O coverage directly from one of their appointed carriers.…

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Should an Agency Purchase E&O Coverage from One of Its Carriers?

Agencies have many options available for the placement of their E&O coverage. For some agencies, one of the options is purchasing E&O coverage directly from one of their appointed carriers.…

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From Foreseeability to an Atmosphere of Violence: Unraveling Multifamily Negligent Security Claims

Negligent security claims and other risk management problems plague today’s multifamily housing market. This article outlines the challenges facing multifamily housing owners, explains the standard of care allegations faced in…

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Preparing a Winning Underwriting Submission

While the reality of today’s underwriting is often, “Does this fit the box?” today’s hard market has caused many agents to scramble toward wholesalers and carriers with heartier appetites. However,…

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