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…

Closeup image new car with piggy bank, key on hood isolated outside corporate building. Dealership offering credit line finance services. Lease automobile purchase financing concept. Financial success

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…

Rising car prices. On a black background, there is a model car with a yellow arrow pointing upwards. Around the coin. The concept of the growth of the transport market and car prices

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…

In hand are red cubes with numbers. Making the right decision concept

ISO’s 2015 CGL and CUP Drone Filing

In response to the “Rise of the Drones” (not to be confused with the “Rise of the Planet of the Apes”), ISO has filed new and revised policy provisions for…

3d rendering delivery drone flying with cityscape background

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