VU Resources

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…

Why Agency Producers Will Become Obsolete in 2017

The internet and online insurance buying are incredible. Early in 2017, agency producers will become obsolete. Shortly thereafter, agencies themselves will become obsolete. This will happen because three progressions will…

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.

The “Where You Reside” Issue…Next Steps

On October 1, 2015 in most states, ISO’s new HO endorsements designed to resolve the potential “Where You Reside” coverage gap became effective. In less than two weeks later, we…

New Homeowners Endorsements Help Solve Huge Coverage Gap

Earlier this year, the Insurance Services Office (ISO) introduced six new Homeowners endorsements that have been described as “the most important change in the Homeowners Program in 40 years.” The…

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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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Should Agents Follow Up on Pending Cancellations for NonPayment?

For years your agency has not followed up on insurer cancellations for nonpayment. Now you feel that you are staffed to be able to do this. From an E&O (or…

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