VU Resources

Delivering Other-Than-Paper Copies of Policies

Are there any E&O or regulatory issues related to delivering policies on a thumb drive rather than the paper files? SwissRe VP and Sr. Underwriter Richard Lund addresses these issues.

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The Underwriting Period

Every state and the District of Columbia grants insurance carriers an “underwriting period.” Insurance carriers are granted broad authority to cancel a newly-written policy during this statutorily-limited period.

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Getting Sued by Being Too Helpful: Stick to Your Expertise

Insurance agents have a deep desire to help their clients any way they can; but sometime, agents undertake to help in ways and areas where they are not qualified (or…

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The Psychology of Downed Trees

Following a communal catastrophe, such as a hurricane, victims go through several phases of recovery. Agents must know to expect these phases and how to prepare for them. It’s the…

“How Much Coverage Do I Need?”

Every professional agent knows to never answer the question, “How much liability coverage do I need?” But even if you don’t overtly answer the question, you may be leading or…

11 Requirements for Management Success

Employees are your greatest expense, but they are also your most valuable asset. The loss of great or even just a “good” employee has a tremendous effect on the agency.…

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Holding a Client Hostage

Can an insurance carrier and its agent hold a client hostage? Short of any statutory prohibition, the answer appears to be yes. Without a law to the contrary, the contractual…

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Growing Your Agency by Adding New Clients

How do you get new clients? If you are like most independent agents, most of your clients come to you by word-of-mouth from other clients. These clients are invaluable because…

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