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

“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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The New Phone Book’s Here! The New Phone Book’s Here!

Hopefully, I’m more than the Navin Johnson of insurance books. Yes, my name is on it, but you’ll find that the contents of “When Words Collide” is more than just facts. My new book is what I refer to as a “readable reference” book. To learn more, keep reading….

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Loss Assessment Coverage and Non-ISO HO Policies

Did you know that the ISO HO policies provide coverage for “losses” that occur prior to the policy inception date? It’s called Loss Assessment coverage. However, not all policies work that way, including one of the most common in the marketplace.

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Who Is a “Hired Person”?

Do you read the policies you sell and service? Do you have a reasonably clear understanding of them? Have you contemplated likely claim scenarios to determine if the existing coverages are adequate for the needs of your customers. These are daunting tasks but by undertaking them, you place yourself far above other mainstream practitioners.

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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.

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