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

It’s Here!

The preorder is now available for the book “When Words Collide: Resolving Insurance Coverage and Claims Disputes” which is scheduled for shipment on May 15. This 350+ page book represents over 30 years experience in resolving insurance claim disputes. The book is designed to be highly readable, educational, interesting, and an indispensable reference guide for years to come. Over 80 court case citations, dozens of real-life claims examples, and a liberal dash of humor for seasoning.

Read More

Insuring Underground Property

Most commercial property policies and many homeowners policies exclude damage to underground property. In the case of ISO’s commercial property program, coverage for underground property can be added by endorsement. That may or may not be the case for non-ISO policies.

Read More

How to Calculate Business Income Limits and Coinsurance in 5 Minutes

In my early ISO days, I used to assist agents in completing business income worksheets. One of the biggest downsides in quoting BI coverage was the time it took to complete the worksheet then NOT make the sale. So, in conjunction with the Texas Big “I”, I came up with a program to calculate BI limits and coinsurance in 5 minutes….

Read More

Contractual Liability: The “I” Request

Commercial insureds often enter into business agreements, from leases to construction contracts, where they are asked to insure indemnity agreements in those contracts. The reality is that almost ALL contractual indemnity agreements are uninsurable.

Read More

Insuring Auto Diminished Value

An insurer has introduced an auto policy enhancement that covers rental car diminished value assessments. There are still reasons why purchasing the LDW makes sense for many infrequent short-term rentals, but this enhancement plugs a big hole.

Read More

Denying an Uncovered Claim for the Wrong Reason

An employee damaged his employer’s front-end loader that he used after hours without permission and reported it that evening. The claim was turned into the insurer who has denied the damage, citing the “Dishonesty” exclusion. We disagree…not that the damage is excluded, but with the reason for the denial.

Read More

What Saving 15% Gets You

A homeowner buys his insurance directly from an insurer without using an agent. He thinks he’s saved money. But then he has what he thinks is a covered claim, but the insurer denies it. Who does he turn to?

Read More

Stay Updated

Get a weekly digest of my most recent posts.



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.