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

Liability for Errant Golf and Baseball Shots

You hook a shot off the tee. After a glancing blow to the head of a prominent local attorney, the ball hits a passing car driven by a “golf widow” on a public road, then bounces through the window of the home of a municipal judge next to the fairway. Surprise…lawsuits are filed! Are you liable? Is the course liable? The answers may surprise you.

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Commercial Property Alterations vs. Additions

A church is remodeling their kitchen. The insurer believes the renovation must be covered by a builders risk policy since this would be an “addition” to the building. The agent disagrees. Who is correct?

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Belts and Suspenders

A “belt and suspenders” risk management approach involves reducing risk through some measure of redundancy. In this article, I’ll give you two examples, the first involving additional insured vs. indemnitee status on a CGL policy and other involving auto insurance vs. loss damage waiver when renting an auto.

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This being a holiday week, I’m taking some time off for family and friends, so no insurance posts this week other than to direct your attention to this promo clip I created at, a web service recommended by industry automation expert Steve Anderson….

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The purpose of insurance is…

In my recently published book, “When Words Collide: Resolving Insurance Coverage and Claims Disputes,” I include a section on the Top 10 policy interpretation doctrines, including Doctrine #4: The purpose of insurance is to insure.

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Top 5 Insurance and Legal Blog for 2017

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.