Author: Bill Wilson

Am I Legally Liable?

Your insured asks, “If I do ‘X’, am I legally liable?” Or, “If ‘this’ happens, am I legally liable?” How do you respond to such questions from your customers? Do you simply refer them to an attorney or do you provide some guidance with the caveat that you’re not an attorney and not providing legal advice?

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Did you know that, in most states, it may be harder to earn a license to cut hair or fingernails than sell or service insurance? What has become of insurance education today? Is the future of insurance education? Given recent events, perhaps so.

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Unintended Consequences: What the Surfside Condo Collapse Means to Agents and Underwriters, Plus Some Lessons Learned

The condo collapse in Surfside, Florida raises a number of insurance coverage issues. However, little has been said about how this tragedy is likely going to change what agents and underwriters are expected to do with regard to verifying condo coverages. This became apparent when I recently received the following email….

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Collapse Coverage

The recent Surfside, Florida condominium building collapse has raised questions all over the country about whether property insurance covers the damage. Also of interest, especially given that the first lawsuit was filed in less than 24 hours following the collapse, is what liability coverage may come into play. This article addresses these issues and several lessons learned so far.

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Mental Incapacity and Intentional Loss Exclusions

Many insurance policies, both property and casualty, have exclusions for losses that are expected or intended. But what if the person who causes the loss has some degree of mental incapacitation? Is that material to whether such exclusions apply? Yes, but each claim depends on the individual facts and circumstances of that case.

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If Not Illusory, Is It Fraudulent?

If someone sells a policy they know does not cover 99% of what someone does for a living, does that constitute insurance fraud? If not, is it ethical? What if the provider is simply ignorant? If the coverage provided by the policy is largely illusory, will the courts support a claim denial?

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New Interview

In the debut episode of Season 2, we spend some time with Bill Wilson, the founder, and CEO of, a website dedicated to property & casualty commentary; a site we all have saved to our favorites here at the PGI home office.

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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.