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

UM Coverage – Benefits Beyond Medical Bills

Your customer has no-fault coverage, auto medical payments coverage, health insurance, disability insurance, Medicare, workers’ compensation coverage. So, there’s no need for uninsured motorists coverage, is there?

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Which Policy Responds?

A CGL insured is sued today for an injury that occurred 2 years ago that was caused by negligent workmanship that took place 4 years ago. What policy responds…the one in force today, 2 years ago, or 4 years ago?

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Coming Soon

Youngsters in insurance, counseling and selling skills, certificates of insurance, disrupters, and belts and suspenders, five topics I’ll be blogging about soon.

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“Protective Safeguards” Requirements

Many policies include requirements that certain protective measures be taken for coverage to apply. For example, both personal and commercial lines policies often have a freezing exclusion that is waived if the insured makes reasonable efforts to maintain heat in a building or shut off the system. Other requirements impose an exclusion if a protective system is not maintained, for example, sprinkler system and burglar alarm system Protective Safeguards endorsements.

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Reverse Engineering: Making Lemons from Lemonade

Lemonade has proposed what they call Policy 2.0, a renters policy written in easy to understand simple English that is “fun” to read. Is it? Is it revolutionary or innovative? Or is it a resurrection of something the industry abandoned decades ago? And what is Lemonade’s real motive?

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Something or Somebody Stinks

Mice, rats, roaches, rabbits, snakes, turtles, bats, foxes, pigeons, owls, raccoons, skunks, carpet beetles, squirrels, bed bugs…. What do these critters have in common? They have all been cited as “vermin” in claim denials that I’ve consulted on. Recently, someone brought yet another skunk claim to my attention that was allegedly denied based on a “vermin” exclusion.

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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.