VU Resources

If a commercial contractor is now doing residential work because of market conditions, watch out for a residential exclusion.

If you have a client written on a “claims made” policy, a polling letter can save them from an uncovered claim and you from an E&O loss. Polling Letters are…

Is the phrase, “…direct physical loss of or damage to…” ambiguous? Plaintiff attorneys are trying to convince courts that it is. Simply, it’s not, and this article explains why.

Replacement cost isn’t what the insured thinks it is, and it’s the industry’s fault. When we say “replacement cost,” insureds hear, “I’m getting new stuff for old.” Depending on the…

The employee decides to take his or her work “on the road” now that they are allowed to work from home – or anywhere. When the employee takes a “workcation”…

BOP policies are not “all that.” There are some gaps every agent must know and understand before settling on a BOP.

In a first of its kind case, a wife sues her husband’s employer alleging she contracted COVID from her husband as a result of the employer’s negligence leading to her…

With the availability of the COVID vaccine, many discussions revolve around the legality of an employer requiring a vaccine. If the employer is allowed to require the vaccine, what are…

Workers’ compensation coverage responds only to an injury or illness defined as occupational. To be occupational and compensable requires certain tests be satisfied. Three key tests must be satisfied before…

Property underwriters analyze essentially the same information today as was reviewed 400 years ago. Although technology has changed, the basics of property underwriting has not changed. The four primary factors…