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
Author: Bill Wilson
Nov 18, 2019 | Personal Auto |
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
Nov 18, 2019 | Opinion |
Is there a duty for insureds to read their insurance policies? Should insurance professionals (agents, underwriters, adjusters) read and understand the insurance policies they sell or service? Take this very quick poll and offer your opinions (poll is limited to the first 100 responders).Read More
Nov 6, 2019 | CGL |
ISO has introduced three new long-needed CGL endorsements that will be heartily welcomed in the construction industry, two being automatic completed operations additional insured endorsements and the other an automatic waiver of subrogation form. In addition, this article answers the question, “WHY is ISO doing this?”Read More
If an agent says that someone is an additional insured on a certificate of insurance and they’re actually not, is the agent liable? Does such a misrepresentation by the agent create a liability for the insurer? Does such a misrepresentation override any disclaimers on the certificate? According to the Washington Supreme Court, the answer is “Yes, yes, yes.” Read on for the details and the lessons learned.Read More
Oct 30, 2019 | Miscellaneous |
There are two ways to argue policy form coverage: language and logic. Sometimes the premise for or against coverage is clear in the form language, but the outcome is completely illogical. So, what wins, language or logic? This article explores each side of the coin and concludes with a third example that demonstrates what happens when language and logic combine to support an argument.Read More
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