VU Resources

How Does a “Person” Become Legally Liable?

Liability policies, whether the HO, PAP or CGL, respond when the insured is judged to be “legally liable” for the injury or damage. But how is “legal liability” determined? That…

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Back to Basics – How Does a ‘Person’ Become Legally Liable?

Liability policies, whether the HO, PAP or CGL, respond when the insured is judged to be “legally liable” for the injury or damage. But how is “legal liability” determined? That…

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Understanding the Statutory Requirements of Conditional Renewals

When there are changes in policy conditions related to coverage, price or other terms and conditions, most states require the insurance carrier to notify the insured a specified amount of…

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Additional Insured Status and Self-Insured Retentions Revisited

Does the CGL extend coverage to an Additional Insured on a primary and noncontributory basis when the lower tier contractor (the named insured) utilizes a self-insured retention (SIR)? Well, yes…

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Three Workers’ Compensation Endorsements Every Agent Should Know When to Use

Workers’ compensation is simple, it provides sole remedy protection for the injured worker. The difficulty in work comp arises from state and federal laws and non-traditional employer/employee relationships. This article…

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Your Client is Moving its Work Comp to a PEO

Your client decides to move its workers’ compensation coverage to a PEO, you need to know the answer to three questions: 1) What does the PEO do for my client?…

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How Vacant is Vacant – But What if it’s NOT Vacant?

Vacant land, or what qualifies as vacant land, is a common question for the VU. Two recent “Ask an Expert” questions specific to vacant land indicated the need to address…

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3 Factors Negatively Impacting the Insurance Marketplace

Three distinct phenomena negatively impact the commercial and, to some extent, personal insurance marketplace: The Winner’s Curse, Submission Bias, and Overconfidence. These phenomena are explained in an international whitepaper titled,…

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The Holy Grail

For as long as I have been in the insurance business agents have sought ways to promote themselves to their marketplace to get people to know them. The agents believe…

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