VU Resources

HO Coverage for Volunteer Board Service

Many people are often asked to serve in a volunteer capacity as board members on non-profits, school PTA organizations and booster clubs, church boards, and civic organizations. If sued, would…

concept mockup of wooden house keyring with key, representing house loan, real estate, expenses financial data and business of tax money payment on owning property, on isolated yellow background

The Homeowners Policy and College Students

Kids away at college often present unique exposures to loss, many of them potentially catastrophic. So, it’s important to know how much coverage if any, is provided by the parents’…

Row of colorful, red, yellow, blue, white, green painted residential townhouses, homes, houses with brick patio gardens in summer

Definitions

PLACE HOLDER textLayout:LISTING

When Residents Have No Contents Coverage (and Worse)

The named insureds have separate HO-3 policies on two homes. One is occupied by their daughter as her primary residence, but she is not a named insured. The daughter’s residence was burglarized…

Which size of house can you afford? Concept shot: four differently sized models of houses on a blue background. Copy space available, web banner format

What is “Vacant Land”?

The ISO HO policies automatically include coverage for vacant land as part of the definition of “insured location.” But what constitutes “vacant land”? Does a water pump, abandoned building foundation,…

Dandelion clocks in meadow

HO Coverage for Homes in Foreclosure

Do you have any homeowner insureds whose homes are or have been in foreclosure? Do you have any mortgage companies who, as a result of a foreclosure, are insisting that…

Loss Assessment Coverage

One of the most misunderstood coverages — and one that is of growing importance — is the loss assessment coverage in a homeowners policy. In this article, personal lines guru David Thompson…

Interpreting Condo Association Documents for Insureds

Whether agents should be reviewing any kind of contracts for insureds is an issue without an absolute solution. It depends on many factors, from the type of contract to the…

Red house in among white houses for real estate property industry

Filters

  1. VU Resources (1932)

  1. Virtual University (1866)
  2. E&O Guardian (56)
  3. Best Practices (1)
  4. Big "I" Hires (1)
  5. E&O (4)
  6. Ask an Expert (5)

  1. Article (1821)
  2. Download (9)
  3. Webinar (6)
  4. Checklist (1)

  1. Agency Management (1)
    1. Agency Operations (673)
    2. E&O Audit (1)
  2. Customer Service (531)
  3. Marketing (259)
  4. Technology (1)
    1. Artificial Intelligence (1)
    2. Data (1)
  5. Sales (83)
  6. Procedures (1)
    1. Sample Customer Letters (1)
  7. Human Resources (42)
  8. Certificates of Insurance (69)
  9. EO Loss Control (5)
    1. Claims Prevention (15)
    2. Claims Happen (8)
    3. Common Errors Alleged (8)
    4. Claims Advisor (5)
  10. Professional Development (22)
  11. Risk Management (11)
  12. Hiring and Recruiting (3)
  13. Perpetuation (19)
  14. Regulation (2)
  15. Professional Liability (12)
  16. Diversity & Inclusion (2)
  17. Contracts (13)
  18. Disaster Preparedness (2)
  19. Hiring (2)
  20. Compensation (6)
  21. Recruiting (3)
  22. Catastrophe (1)
  23. Employee Benefits (2)
  24. Agency Financing (1)
  25. Valuation (1)

  1. Commercial Lines (4)
    1. Commercial General Liability (CGL) (5)
      1. Exclusions (37)
      2. Other CGL (31)
      3. Coverages (22)
      4. Endorsements CGL (15)
      5. Additional Insureds (11)
      6. Contractual (9)
      7. Insureds (7)
      8. Crime (7)
      9. Liability CGL (6)
      10. Conditions CGL (5)
      11. Definitions (5)
    2. Property (2)
      1. Conditions Property (36)
      2. Other Property (33)
      3. Coverages Property (18)
      4. Property Exclusions (13)
      5. Endorsements Property (9)
      6. Perils (2)
    3. Miscellaneous Commercial Lines (64)
    4. Commercial Lines Auto (3)
      1. Physical Damage (14)
      2. Other (12)
      3. Endorsements (10)
      4. Garage (3)
    5. Business Income (50)
    6. Workers Compensation (48)
    7. Liability (22)
    8. Professional Liability (15)
    9. Flood (4)
  2. Personal Lines (28)
    1. Homeowners (1)
      1. Other Homeowners (24)
      2. Property Coverages (15)
      3. Condo Issues (15)
      4. Property Perils (12)
      5. Liability Coverages (12)
      6. Exclusions Property (9)
      7. Insureds Homeowners (7)
      8. Liability Exclusions (7)
      9. Vehicles (7)
      10. Definitions Homeowners (7)
      11. Conditions Homeowners (7)
      12. Endorsements Homeowners (1)
    2. Auto (1)
      1. Liability Auto (17)
      2. Insureds Auto (14)
      3. Other Auto (14)
      4. Physical Damage Auto (14)
      5. Rental Cars (6)
      6. Endorsements Auto (3)
      7. Conditions (1)
    3. Miscellaneous Personal Lines (30)
    4. Flood Personal Lines (28)
  3. Life and Health (5)
    1. Life (14)
    2. Miscellaneous (12)
    3. Health (5)
  4. Back to Basics (28)
  5. ISO (1)

  1. Commercial Lines (1)
    1. Workers Compensation (52)
    2. Commercial Auto (46)
    3. Professional Liability (23)
      1. E&O (23)
    4. Cyber Liability (1)
    5. BOP (1)
  2. Personal Lines (1)
    1. Homeowners (1)
      1. Jewelry (1)
    2. Life Insurance (28)
    3. Personal Umbrella (1)
  3. Auto (69)
  4. Flood (1)
    1. Personal Flood (1)
  5. Health Insurance (1)
  6. Pet Insurance (1)
  7. Pet Health (1)