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

The Scooter Craze and Insurance

If you are in a major downtown area, the chances are good that you can rent an electric scooter for local transportation. However, what if there’s an accident with serious injuries that, according to news accounts, is happening with increasing frequency and severity. Is there any insurance to be had?

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Fast, Easy and Cheap

A online insurance premium comparison web site did an “experiment” quoting renters insurance at ten web sites. The “winners” were insurtech startups that provided quotes in about 1 minute. But what might consumers get, or not get, in exchange for fast, easy and cheap?

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Insuring Test Driven and Loaner Autos…PAP or BAP?

An auto dealership customer damages a loaner car or one being test driven. Is this covered by the customer’s personal auto policy? If so, is it primary or excess? What about the dealership’s garage policy? What about subrogation? Is this a problematic situation?

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Reviewing Policy Deliverables

When placing an account with an insurer, an agency will request specific policy forms or coverages. When the policy package is delivered, the agency should make sure the requested forms are included. However, often overlooked, but just as important, are the forms included that the agency did NOT ask for.

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Is It ISO or Is It Memorex Insurance Company?

You’re asked by a business partner of your insured if coverage is provided by a particular ISO policy form “or its equivalent.” How do you know if a carrier policy form is pure ISO, modified ISO, or proprietary, and whether it’s “equivalent”? Or, you just attended a seminar or webinar on homeowners insurance using the ISO forms and you want to know whether your HO insurers are pure ISO or something else. How do you tell?

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“All Risks” vs. “Named Perils”

Occasionally you may be asked why an “open perils” (aka “all risks”) policy is better than a “named perils” policy. Here, with a caveat, is a list of examples you can consider.

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My New Ebook

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