VU Resources

Insuring “Other Structures” on HO-6 Condo Policies

An HO-6 condo form includes only Coverage A and C for direct damage to property…that is, no Coverage B. What if the insured owns a structure not attached to the…

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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…

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Oral vs. Written Binders

Unless there is a legal requirement, is there a reason to issue a written binder on an account? We posed this question to the VU faculty and got a mixed…

Insuring Hot Tubs on an HO Policy

An HO customer’s hot tub is damaged by the freezing of a water line. Does the ISO HO-3 cover this cause of loss? What if the root cause is mechanical…

Firing Customers…Dump Letters

Increasingly, agents are discovering that they have customers that they no longer want for one or more of many reasons. Maybe it’s a contractor that generates so much certificate of…

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…

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Employee Engagement: For Agency Principals and Agency Managers

The term employee engagement encompasses much more than what we may think it does. For all agencies, big and small, a continuous approach to increase employee engagement is key. An…

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