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

What’s So Funny?

A consumer asks, “Why do all of these insurance companies try to out-funny each other in their TV ads?” Why, indeed?

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Dispelling Another Insurance Myth

The insurance industry has many myths. One such bit of folklore is that business income coverage requires damage to COVERED property. Under the ISO forms, it does not. For example….

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Riding Lawn Mowers and Insurance

Lawn mowers cause thousands of injuries annually. Do any of your customers own riding lawn mowers? If so, do they have liability coverage under their homeowners policies? You might be surprised how many HO policies may not provide coverage in certain circumstances.

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The Scooter Craze and Insurance

If you are in a major downtown area, the chances are good that you can rent an electric scooter for local transportation. However, what if there’s an accident with serious injuries that, according to news accounts, is happening with increasing frequency and severity. Is there any insurance to be had?

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Fast, Easy and Cheap

A online insurance premium comparison web site did an “experiment” quoting renters insurance at ten web sites. The “winners” were insurtech startups that provided quotes in about 1 minute. But what might consumers get, or not get, in exchange for fast, easy and cheap?

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Insuring Test Driven and Loaner Autos…PAP or BAP?

An auto dealership customer damages a loaner car or one being test driven. Is this covered by the customer’s personal auto policy? If so, is it primary or excess? What about the dealership’s garage policy? What about subrogation? Is this a problematic situation?

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Reviewing Policy Deliverables

When placing an account with an insurer, an agency will request specific policy forms or coverages. When the policy package is delivered, the agency should make sure the requested forms are included. However, often overlooked, but just as important, are the forms included that the agency did NOT ask for.

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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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