Serving the English Language Learning Client
Did you know that almost a quarter of Americans speak a language other than English at home? Are you missing business opportunities to either work with or refer these clients?
VU Resources
Input from ACORD Regarding Recent Changes to the ACORD 25
ACORD recently released a new edition of the ACORD 25 (2025/12), now in use. Here is a clarification to any confusion about listing contract not policy limits.
Condo Association Does Not Rebuild After a Loss: Does the Unit Owner Recoup Their Investment?
For a total loss of a condominium association’s premises, many chose not to rebuild. This can occur for a variety of reasons. These include insufficient limits to recover the full…
Helping Your Clients Maintain Accurate Statements of Value
One of the most frequent allegations in agency errors & omissions claims arise when policy limits are insufficient to pay a claim. Your commercial insureds’ statements of value (SOV) are…
Contractors Professional and Pollution Liability Coverage: A Must-Have Solution for Contractors
A recent Arizona mishap highlights the importance of pollution liability coverage for contractors. Many plumbing and other contractors work under the misunderstanding that their general liability coverage is sufficient to…
Understanding Coverage for Rip and Tear Costs in Commercial General Liability Policies
Defective work in construction projects often leads to more than just repair costs. Contractors must also account for “rip and tear” expenses—the costs of accessing and removing faulty components—which can…
The Future of Risk: Verisk Navigates an Evolving Risk Landscape
Today’s insurance agents and brokers must recognize new and emerging risks and rapidly evolving coverage limitations to help best protect their customers. For over two decades, Verisk, or ISO as we old-school…
Verisk to Roll Out New General Liability Exclusions for Generative AI Exposures
Generative artificial intelligence (AI) is transforming how the insurance industry does business. However, it’s also triggering a wave of legal and insurance challenges. With at least 11 major lawsuits currently…
Avoiding Late Notice Claim Denials in Claims-Made Professional Liability Claims
Most agents are very familiar with reporting requirements on occurrence policies. The occurrence happens—a tenant fire, a slip and fall, a dog bite—and the insured knows almost instinctively to report the claim. The trigger…
Rural Hospital Closures: A Growing Crisis Threatens Workers’ Compensation Systems Nationwide
The loss of rural healthcare will also affect the workers’ compensation system, rural industries and rural government. This article considers the problem and provides solutions that agents who write workers’…
