VU Resources

The Public or Livery Conveyance Exclusion

The ISO PAP excludes vehicles being used as a public or livery conveyance for liability, medical payments, and physical damage. This exclusion pops up in scenarios ranging from airport shuttles…

Company Cars and the ISO Personal Auto Policy

Company cars present a serious coverage gap under the Personal Auto Policy, an exposure that exists for a very high percentage of your insureds. Fortunately, in most cases, this exposure…

White car on colored background. Model white retro toy car on orange background. Miniature car with copyspace.

Share-the-Expense Car Pools

Between gasoline prices and roadways becoming more and more congested, it can be expected that car pooling will become increasingly popular, if not necessary, in many areas. In this article,…

Insureds

PLACE HOLDER textLayout:LISTING

Kids’ Kars Revisited

In another article, we discuss the potential coverage gaps if a resident child buys a car and it is insured under a separate policy, as opposed to the parent’s policy.…

Car crash dangerous accident on the road. SUV car crashing beside another one on the road.

Parental Liability & The PAP

Your insured was told by his attorney to title and insure a car in his 16-year-old son’s name to minimize the family’s liability exposure. According to the attorney, if his…

The PAP and College Students

Your 20-year-old daughter is away at college. She does not have a car on campus, but her roommate does and she drives the auto occasionally. Would your unendorsed personal auto…

Broken car in an accident. Crash on the road. Background with selective focus and copy space for text

Family Member Autos…A Hidden E&O Exposure

One of the most often overlooked (and potentially catastrophic) coverage gaps in the Personal Auto Policy involves autos owned and separately insured by resident family members. This exposure most likely…

A car protected under a glass dome bubble. Car insurance concept. Generative ai.

Insurance vs. Legal Advice

Quite often, the VU “Ask an Expert” service gets a question about the insurance ramifications of something an insured was advised to do by an attorney, CPA, estate planner, or…

Filters

  1. VU Resources (1909)

  1. Virtual University (1850)
  2. E&O Guardian (54)
  3. Best Practices (1)
  4. Big "I" Hires (1)
  5. Ask an Expert (4)

  1. Article (1797)
  2. Download (9)
  3. Webinar (6)
  4. Guide (1)
  5. Checklist (1)

  1. Agency Management (1)
    1. Agency Operations (670)
    2. E&O Audit (1)
  2. Customer Service (530)
  3. Marketing (258)
  4. Technology (1)
    1. Artificial Intelligence (1)
  5. Sales (81)
  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 (21)
  11. Perpetuation (19)
  12. Hiring and Recruiting (2)
  13. Risk Management (7)
  14. Regulation (1)
  15. Professional Liability (12)
  16. Diversity & Inclusion (1)
  17. Contracts (13)
  18. Disaster Preparedness (1)
  19. Compensation (6)
  20. Hiring (2)
  21. Recruiting (1)
  22. Agency Financing (1)
  23. Valuation (1)
  24. Employee Benefits (1)

  1. Commercial Lines (4)
    1. Commercial General Liability (CGL) (5)
      1. Exclusions (37)
      2. Other CGL (31)
      3. Coverages (19)
      4. Endorsements CGL (15)
      5. Additional Insureds (11)
      6. Contractual (8)
      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 (32)
      3. Coverages Property (17)
      4. Property Exclusions (13)
      5. Endorsements Property (9)
      6. Perils (2)
    3. Commercial Lines Auto (3)
      1. Physical Damage (13)
      2. Other (11)
      3. Endorsements (10)
      4. Garage (3)
    4. Miscellaneous Commercial Lines (64)
    5. Business Income (50)
    6. Workers Compensation (48)
    7. Liability (20)
    8. Professional Liability (15)
    9. Flood (4)
  2. Personal Lines (28)
    1. Homeowners (1)
      1. Other Homeowners (24)
      2. Condo Issues (15)
      3. Property Coverages (14)
      4. Liability Coverages (11)
      5. Property Perils (11)
      6. Exclusions Property (9)
      7. Vehicles (7)
      8. Liability Exclusions (7)
      9. Insureds Homeowners (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 (29)
    4. Flood Personal Lines (28)
  3. Life and Health (4)
    1. Life (12)
    2. Miscellaneous (12)
    3. Health (4)
  4. Back to Basics (26)

  1. Commercial Lines (1)
    1. Workers Compensation (52)
    2. Commercial Auto (46)
    3. Professional Liability (8)
      1. E&O (8)
    4. Cyber Liability (1)
    5. BOP (1)
  2. Personal Lines (1)
    1. Homeowners (1)
      1. Jewelry (1)
    2. Life Insurance (26)
    3. Personal Umbrella (1)
  3. Auto (69)
  4. Flood (1)
    1. Personal Flood (1)