VU Resources

PAP Delivery Exclusions

The current ISO PAP excludes the use of an auto as a public or livery conveyance. Older ISO versions excluded transporting property for a fee. However, some company forms exclude…

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The PAP and Additional Insureds

Some employers of people who use their personal autos for business want to be named as additional insureds on their personal auto policies (PAPs). However, many companies refuse to do…

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PAP Annotated Endorsements

The purpose of most endorsements is to amend policy forms by either broadening or restricting coverage. Other endorsements simply clarify the intent or scope of coverage. Finally, some endorsements are…

Auto “Gap” Coverage

Getting a new car is usually fun and exciting. But having a total loss on a new car causes a double-whammy: the extreme disappointment of the loss of a new…

Leasing a Company Car to Yourself

Your insured owns a company that has no auto coverage. For tax (or other) reasons, the company buys a car then leases it to the owner, your insured. He wants…

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

Life-And-Health

Click above to access information. This area of the VU research library is in its infancy. Included are basic L&H articles to improve the understanding of P&C producers and other…

Cash Management Services: What Difference Can They Make to an Independent Agency?

Independent agencies are not like many other businesses. They have unique cash management opportunities. A bank that recognizes this difference will offer a variety of specialized products, competitively priced, to help agents…

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Remote Deposit Offers New Road to Efficiency for Agencies

ATMs revolutionized banking more than 25 years ago and today online banking is now commonplace. And, now a new banking product, remote deposit, is being utilized to greatly improve business efficiencies,…

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