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

What’s the Hurry?

Personal lines insurtechs say they can sell you a policy in 60 seconds. Now traditional insurers are claiming they can sell you a commercial lines policy in 5 minutes. What’s the hurry?

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InsurTech Conferences: Hear No Evil, Speak No Evil, See No Evil

The industry needs disruption and can benefit greatly from technology, but not the kind being offered by most of the insurtechs I’ve looked at. Everyone knows the U.S. has a great need for rebuilding infrastructure. If we let the equivalent of insurtechs do it, they’d be rebuilding bridges with matchsticks.

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Additional Insureds and Unintended Consequences

Understanding insurance policy language can be difficult. When you consider such language in the context of claim scenarios, understanding the implications of coverage (or lack thereof) can be even more difficult.

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Update from Bill Wilson

I haven’t blogged much recently. Here’s why. Check out what I’ve been up to, what I’ll be doing in the coming months, and how The Spyders are taking the music world by storm!

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Be Careful What You DON’T Ask For

Does your agency routinely QC policy deliverables? Are all the forms and coverages you requested provided? Perhaps more important, what forms did the insurer include that you did NOT ask for? Failure to perform this critical task can result in uncovered claims for your customer and E&O claims for the agency.

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Insuring Unlimited Contractual Liability

This article illustrates, to the tune of $24M, why it is critical to review contracts of insureds prior to the bidding process. Unless, of course, you sell a CGL policy that has no exclusions or limits.

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Homeowners Claims “Matching” Problems

Should an insurer replace ALL of a home’s shingles or siding if only part of them have been damaged? It depends on the policy and statutory and/or case law. This very short article includes a state-by-state listing of the applicable laws.

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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.

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