Author: Bill Wilson

Maintaining AI Status After Completion of Work

Your insured has entered into a contract requiring that the other party be provided CGL additional insured status for two years beyond the completion date of the work. If asked to confirm that the insurance provided by the agent complies with the contract, how should the agent respond?:

Read More

Should You Buy the Rental Car Damage Waiver?

One of the most common questions agents get from customers is, “Do I need to buy the damage waiver when I rent a car?” The answer to that is almost always “Yes,” though you will find scores of media articles (including our own industry) that dangerously advise otherwise.

Read More

Swimply Uninsured! Revisited

Yesterday, a 7-year-old girl drowned in a pool that a homeowner reportedly rented, through Swimply, to a group that allegedly included about 15 children. I blogged about Swimply a couple of years ago when they appeared to not offer any liability coverage for renters. They apparently currently include $1,000,000 of coverage…but how much is the life of a 7-year-old child worth?

Read More

Insuring College Students

I realize I’ve been remiss in the frequency of my blog posts recently. But it’s not because I haven’t been writing. In addition to the new book I’m working on about the history, evolution and meaning of CGL property damage exclusions, I continue to write a monthly column for Insurance Journal magazine….

Read More

Property Undervaluation

This week I’m presenting, as part of a conference panel, a session on underinsurance of residential and commercial properties, with a focus on pre-loss valuation as it impacts underwriting and policy limits. What has been your experience in this area? Is underinsurance as widespread as it appears to be? Are there many instances of OVERinsurance? Inquiring minds want to know.

Read More

In Claim Disputes, Disregard Case Law At Your Own Risk

In a recent court case, the insurer failed to carefully consider the case law cited by the claimant’s attorney and, as a result, was found have denied a claim in bad faith. In my book “When Words Collide: Resolving Insurance Coverage and Claims Disputes,” I explain why pertinent information from any source, especially case law, should be considered.

Read More

What is the Best Insurance Sales Channel, Direct or Agent-Assisted?

Recently I read an article that cited a GEICO annual report that effectively expressed the philosophy that: (1) most consumers know what they need in an auto policy and (2) agents are “unnecessary and expensive” links in the distribution mechanism. Is this true? Can consumers distinguish the coverage subtleties between insurance policies and are agents largely unnecessary and expensive?

Read More

Vacant Land

Homeowners policies generally provide very broad worldwide liability coverage. However, among the exclusions are those pertaining to occurrences that take place on certain premises. These exclusions often have exceptions that grant coverage if the premises is an “insured location.” One common type of “insured location” is often vacant non-farm land. The question is, what is (or isn’t) “vacant” land?

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.