VU Resources

The “Business Use” Exclusion in the Personal Auto Policy

In practical application, the PAP extends coverage for the business use of a “your covered auto” provided it’s not used to carry people or property for a fee (i.e., Uber…

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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.…

Mid-Term Cancellations

Once a policy is in effect and has existed beyond the underwriting period, provisions still exist allowing the carrier to cancel the policy during the policy period. These are often…

Mid-Term Cancellations

Once a policy is in effect and has existed beyond the underwriting period, provisions still exist allowing the carrier to cancel the policy during the policy period. These are often…

Work Injury Prevention – Remember PADRE!

The easy to remember acronym for the five key aspects of reducing the costs of and avoiding work injury is PADRE. Understanding Prevention, Avoidance of lost time, Duration, Relapses, and…

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Danger! Watch Out for Changing Entity Types

You cannot assume the entity type you insured last year is the same entity type that exists this year. When insuring small businesses, you are fighting against several unseen entities…

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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ISO’s Professional Liability Forms

Effective June 1, 2017, Insurance Services Office (ISO) introduced the new Miscellaneous Professional Liability Policy (MI 00 01) along with a multitude of endorsements. This is the first in a…

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