This video podcast addresses many of the business income insurance issues presented by the COVID-19 pandemic. The panelists discuss the coverage issues, including pending litigation and government mandates from an insurance agency perspective.
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A NY court has ruled on a policyholder injunction claim regarding whether a business income loss was due to direct physical damage caused by the SARS-2 virus. Also included is a link to related COVID-19 coverage issues.
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Most commercial property policies largely limit coverage for business personal property to that located at a described location. Increasingly, though, business property is being dispersed to the locations of home workers, creating a need for more current and relevant coverages, not to mention revisiting business limitations and exclusions in personal lines forms.
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When renting a car, you can buy a loss damage waiver from the rental car company or you can often buy a “damage waiver” from a third party. Caveat emptor…not all “damage waivers” are created equal. Here are two examples.
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Do you advocate for customers at claim time? If not, you are likely missing out on a golden opportunity to improve retention and gain referrals of new business. Smart and competent agents advocate for their customers when a claim has been improperly denied and there is an inexpensive tool available to enhance their success.
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Too many consumers think that renters insurance is only needed in case they have a loss to their own property. Often overlooked is the value of the liability coverage. This was recently illustrated by an actual claim….
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Should certificate holders be notified when a policy is cancelled? If not, why? Also, what coverage information should be added to a certificate, such as additional insured and contractual obligations?
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Businesses that deliver products, from furniture stores to HVAC contractors, have an auto loading and unloading exposure. If property not in their care, custody or control is damaged during loading or unloading, is that covered by a CGL or a BAP (or PAP) policy?
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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.