VU Resources

Top 3 Pathways for IA Perpetuation

According to the 2014 Future One Agency Universe Study, 14% of independent agencies do not have a perpetuation plan in place. But industry experts estimate the number is much higher.

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EBITDA…What You Need to Know

I was recently reviewing an article from 2005 by Hales & Company regarding how many sellers leave a lot of money on the table because the seller does not understand…

If a BAP Has Symbols 8 & 9, Is the Drive Other Car (DOC) Endorsement Needed?

A customer with a d/b/a sole proprietorship owns two autos covered by a BAP written with Symbols 7, 8, and 9. She drives one, largely on business, and her retired…

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When Can Coverage Be Dropped on a Stolen Car?

Your insured’s car is stolen. Since he only carried liability coverage, he wants to simply cancel the policy and get a return premium? At what point does his potential liability…

Car insurance concept. Piggy bank and wooden car on table

More Auto Policy Coverage Reductions as Competition Intensifies

Recently I received an email from a member who was alarmed at the rapid proliferation of exclusions in auto policies. These are exclusions that may not be readily apparent to…

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Some Employers Shortchanged On Employee Dishonesty Coverage

Agents and insureds often think employee dishonesty coverage on a BOP is the same as coverage provide by Commercial Crime policies or forms. Unfortunately, that’s not the case. This article…

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Value-Added Services Could Pose an E&O Exposure

Agencies often have to balance business decisions with their E&O implications. Value-added services can be extremely important to the prosperity of agencies. However, it’s important to consider the potential E&O…

The Inevitable Destination of Price-Focused Direct Insurance Sales

Many of the so-called experts claim that agents cannot compete with the direct insurance marketing channel because of, in the case of online quoting and sales, the inherent efficiency of…

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