VU Resources

Can An Organization Outgrow Its Owner And Vice Versa?

Agencies initially develop the personalities of their owner. If the agent is sales oriented, the agency grows staff that key in on the sales and marketing process. If the agent…

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Holding A Client Hostage Revisited – Again

Are insurance carriers required to honor an AOR? We have discussed this question a couple times, most recently with a Point/Counterpoint article. In this re-visitation a couple reader responses to…

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H3N2 Flu and Workers’ Compensation

Record flu seasons often garner heavy media attention. When any strain of the flu is in the news, whether it be Swine flu, Bird flu or 2018’s H3N2 strain the…

State Laws Affecting Insurance

Insurance policies promulgated advisory organizations and other independent bureaus serve to establish consistency in policy wording. Even when a carrier creates and uses a proprietary form, that form generally contains…

Flood Insurance: A New Opportunity?! (ISO Thinks So)

Floods occur virtually everywhere in our country, but each flood has unique characteristics. The common denominator of each of these events is: insureds are virtually unprotected from the effects and…

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Personal and Advertising Injury: Another Case Where ISO May Be Broader

Proprietary coverage forms are not always better than Insurance Services Office (ISO) forms. Careful comparison is required to confirm the insured is not harmed by non-ISO language. A recent Illinois…

Paper contract form with a signature about to be signed on a signature field.

Keys to Writing Insurance Coverage Letters

Your insureds are not insurance experts, nor should we expect them be. In fact, many don’t like to talk or think about insurance – much less read a “coverage-heavy” letter.…

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