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

“When Words Collide” The Readers Digest Version

In 2019, I authored a monthly column in Insurance Journal magazine that consisted of a 12-part series based on my book “When Words Collide: Resolving Insurance Coverage and Claims Disputes.” This blog post includes a listing of, and link to, each column.

Read More

Next Insurance

Do you sell any commercial lines insurance policies for $11-$29 a month? Do you sell any commercial lines insurance policies, start to finish, in less than 10 minutes? Here’s an organization that says it can and does.

Read More

Volunteer Autos…Symbol 8 or Symbol 9?

If a volunteer is reimbursed for mileage when using his or her vehicle for someone, is that a hired or nonowned auto liability exposure? Is it hiring, borrowing, or neither? In other words, is it Symbol 8 or Symbol 9?

Read More

Lake Ice Damage

Ice from a lake damages a home. The ice could have been forced onto land by wind or simply the expansion of the ice itself. The question is, would there be insurance coverage for the damage?

Read More

HO HO HOmeowners Questions

“I have an in-home ‘business’ involving the manufacturing and distribution of toys for children. I do not charge for these toys and earn no income from them. I have both on- and off-premises exposures for damage to the toys, my personal property, and my liability. Does my HO-3 cover me? I also operate a vehicle that travels largely by air, but with very frequent ground stops. The vehicle is unlicensed and, while it can be used on public roads, it was not designed as such nor is it used that way. Will the ISO personal auto policy protect me, is my homeowners sufficient, or do I need a recreational vehicle policy?”

Read More

What Is a Pedestrian (Revisited)

Under most personal auto policies, medical payments (and sometimes other coverages) are extended to resident family members when struck by a motor vehicle as a pedestrian. The question is, what is a “pedestrian”? Is it only someone on foot or could it be someone in a wheel chair or on a bicycle?

Read More

The Benefits of Gratitude

In the spirit of this holiday season, thanks to all of my blog subscribers and, in keeping with the sentiment of the season, here is an article about the proven benefits of gratitude.

Read More

Auto Insurance Is NOT a Commodity

The only real difference between auto insurance policies is the price, right? Not really. Here are four real-life claim illustrations of critical differences, along with another dozen examples of coverage differences. And this is just a small marketplace sampling.

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.