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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You insure a business whose owners or officers have exempted themselves from workers compensation insurance, relying on their medical and disability insurance programs. Has everyone adequately investigated the potential ramifications?
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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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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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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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Is your agency properly staffed? What is the proper workload of your staff? Can you answer these questions with confidence? If not, keep reading….
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You’re asked by a business partner of your insured if coverage is provided by a particular ISO policy form “or its equivalent.” How do you know if a carrier policy form is pure ISO, modified ISO, or proprietary, and whether it’s “equivalent”? Or, you just attended a seminar or webinar on homeowners insurance using the ISO forms and you want to know whether your HO insurers are pure ISO or something else. How do you tell?
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Occasionally you may be asked why an “open perils” (aka “all risks”) policy is better than a “named perils” policy. Here, with a caveat, is a list of examples you can consider.
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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.