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

Fake Risk Management

I have blogged before about the danger (to customers and E&O policies) of agents who attempt to perform services they’re not qualified to provide and/or hold themselves out as having skills greater than that which they actually possess. Agency consultant Chris Burand kicks it up a notch….

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COVID-19 Articles

COVID-19 Articles by Bill Wilson To summarize in one convenient location, this is what I’ve...

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Creepy Homeowners Insurance Court Decision

Is a brown recluse spider infestation excluded by an insect or vermin exclusion in an HO policy? Better question…does the mere presence of spiders trigger the policy’s insuring agreement?

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It’s Not Just About “Direct Physical Damage”

A primary focus of many COVID-19 business income insurance articles is whether or not there has been any “direct physical damage.” For most policy forms, that may be important when it comes to business income coverage for damage ON the described premises, but it may be far less important when it comes to coverage for business income loss due to orders of civil authority. Here’s why.

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Providing Non-Insurance COVID-19 Advice

As businesses re-open, agents are likely going to get questions from customers about risk management approaches beyond insurance that they should engage in. In fact, I just got an inquiry from an agent asking about assisting a customer with waivers and procedures. What should the agent do?

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Agent COVID-19 E&O Do’s and Don’ts

The primary targets of COVID-19 insurance lawsuits so far have been insurance companies. However, as most of these claims are expected to be successfully denied, insurance agencies should anticipate E&O claims. In addressing these potential lawsuits, there are certain E&O loss control measures than can be taken to minimize the exposure and maximize a successful defense.

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COVID-19 Civil Authority Orders and Legal Gamesmanship

There is a belief that business closure orders by civil authorities trigger Civil Authority coverage in business income insurance policies if they allege property damage of some kind. This is a misconception that is typical of generalizations about insurance contracts that come from the failure to actually read the policy language.

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My New Ebook

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