VU Resources

Coding, Rating, and Coverage

Do you know how to code and rate commercial lines accounts? Do you understand the difference between coding, rating, and coverage? If not or you’re not sure, then take a…

Growth charts and graphs. Pile of reports.

ISO’s “Fraudulent Impersonation” Crime Endorsement

The exposure to loss of money, securities, or other property due to trick, scam, etc. has been around for millennia, but from an insurability standpoint, traditional “ISO standard” insurance products…

Global business, internet network connection, IoT Internet of Things, business intelligence concept. Busines global network, futuristic technology background. AI generative

The BAP and Automatic Trailer Coverage

The owner of a large commercial account is loaning his nonresident daughter a Ford F350 pickup for a week in order to relocate a horse in the horse trailer that…

Bad Exclusions, Trial Lawyers, and Big I Advocacy

Sometimes we come across policy exclusions that shouldn’t be there but, due to human error, they’re there. If such inappropriate exclusions are used to deny a claim, what should be…

Law.

Business Income and Undeclared Buildings

The ISO CP 00 10 has a coverage gap for property in undeclared buildings that does not exist in their BOP. In this article, VU faculty member Mike Edwards explores…

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Policy Form Edition Dates and Why They’re Important

One of the most frustrating types of questions received by the VU “Ask an Expert” service usually begins with, “Does ‘a’ homeowners policy cover…” or “Does ‘a’ BOP cover….” The…

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