VU Resources

Does the trees, shrubs and plants Additional Coverage in a Homeowners policy apply inside and outside the home? Does it apply to plants in a yard or to potted plants…

One of the most frustrating types of questions received by the VU “Ask an Expert” service usually begins with, “Does ‘a’ homeowners policy cover…” or “Does ‘a’ BOP cover….” The…

A serious problem has been created by the misuse of the word “volume.” When companies say they want more volume, agency owners form clusters to “give” companies more volume. As…

Your insured has BAP Symbol 9 nonowned auto coverage which extends coverage to the named insured while employees use their autos on business. However, what if the named insured uses…

There are two primary ways to create an uninsured motorist: (1) no auto liability coverage, or (2) auto liability coverage that has an exclusion for what happened. According to an…

When MVRs are run for underwriting reasons on drivers of a business, the employer often asks the agency for a copy or the agency, perhaps as a value-added service, provides…

This is a follow-up to our original article about this 2015 ISO HO change and includes a link to our recorded 90-minute webinar on the change and an important Q&A.

Is the payroll of hourly works compensable under the ISO CP 00 30 business income form? This situation is another variation on a previous VU article about whether a continuing…

Like statutory minimum limits standards, should states consider minimum coverage standards to protect the general public? Isn’t this the primary responsibility of regulators? How are they serving consumers if they…

If asked to give examples of claims that would likely be covered by an open perils property policy but not by a named perils policy, could you? We’ve compiled a…