Com•men•tar•y … an expression of opinions or offering of explanations

Auto Insurance Is NOT a Commodity

The only real difference between auto insurance policies is the price, right? Not really. Here are four real-life claim illustrations of critical differences, along with another dozen examples of coverage differences. And this is just a small marketplace sampling.

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Beware “Special Condition” Endorsements!

It is important to QC policy deliverables to see what unrequested policy forms have been added and, where possible, to negotiate their removal or modification. One of the greatest offenders are “special condition” endorsements.

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Is There a Duty to Read an Insurance Contract?

Is there a duty for insureds to read their insurance policies? Should insurance professionals (agents, underwriters, adjusters) read and understand the insurance policies they sell or service? Take this very quick poll and offer your opinions (poll is limited to the first 100 responders).

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3 Fantastic New ISO Construction Industry CGL Endorsements

ISO has introduced three new long-needed CGL endorsements that will be heartily welcomed in the construction industry, two being automatic completed operations additional insured endorsements and the other an automatic waiver of subrogation form. In addition, this article answers the question, “WHY is ISO doing this?”

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A Certificate of Insurance Supreme Court Decision You MUST Read TODAY

If an agent says that someone is an additional insured on a certificate of insurance and they’re actually not, is the agent liable? Does such a misrepresentation by the agent create a liability for the insurer? Does such a misrepresentation override any disclaimers on the certificate? According to the Washington Supreme Court, the answer is “Yes, yes, yes.” Read on for the details and the lessons learned.

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Language vs. Logic

There are two ways to argue policy form coverage: language and logic. Sometimes the premise for or against coverage is clear in the form language, but the outcome is completely illogical. So, what wins, language or logic? This article explores each side of the coin and concludes with a third example that demonstrates what happens when language and logic combine to support an argument.

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Bread and Books

Ideas, bread and books are all the same–they’re better when they’re shared. The posture of generosity and connection replaces a mindset of scarcity…. The same is true of insurance books.

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FREE Webinar on “When Words Collide”

On October 17, I’ll be presenting a FREE one-hour webinar on my book “When Words Collide: Resolving Insurance Coverage and Claims Disputes.” One of the focuses will be on the role of state insurance regulators in policy form review and resolving claim disputes.

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My New Ebook

My ebook 52 of the Greatest Things Anyone Ever Said… and Why has gone live on Amazon and in 24 hours has become Amazon’s #1 New Release in the Quotational Reference book category. This ebook includes 52 of my favorite quotations, each with a brief essay about what the quotation means. While the ebook can be read in its entirety and in any order, it is designed so that each quotation and essay is read weekly over the course of the coming year and it can be accessed right from your phone or tablet.

BONUS! Purchasers of this book get a free PDF download of my book “QuoteNotes: The Ultimate Quotational Reference System and Authoring Tool for Professional Speakers and Writers” endorsed by Zig Ziglar and Brian Tracy. This is an indexed and cross-referenced compilation of my 1,500 favorite quotes and includes a section on how to use quotations in your speaking and writing.

To get BOTH books at a discounted price, click the book cover or CLICK HERE.