Author: Bill Wilson

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?

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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?

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The CGL Policy and Faulty Workmanship

Many insurance policies cover a lot of loss exposures, but none cover EVERY loss exposure. Sometimes this is hard for a consumer or business owner to understand. Why did someone pay a lot of money for insurance that doesn’t cover what happened? This article is about a recent email I received from a consumer and how I explained the lack of coverage.

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Burand’s Insurance Agency Adviser

If you are an agent, especially if you’re an agency owner or manager, I highly recommend subscribing to consultant Chris Burand’s monthly Insurance Agency Adviser newsletter. To illustrate the reason for this recommendation, all you have to do is skim his most recent newsletter….

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What is a “Pedestrian”?

You’re injured when struck by a motor vehicle. Your auto policy covers you as a pedestrian for medical payments and possibly un(der)insured motorists and/or PIP coverage. Does “pedestrian” status limit you to coverage only if you’re on foot? What about being in a wheel chair? Skateboard? Roller skates? Bicycle? What if you’re sitting down or standing but not walking? Are you a pedestrian?

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Cyber Insurance and “War” Exclusions

Virtually all property and cyber policies include “war” and often “governmental action” exclusions. Given the current warnings about real and potential cyber attacks by one or more governments against allies and supporters of Ukraine, would these policies respond or not?

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The Answer to Every Coverage Question

What if someone asks you a coverage or claim question about a specific scenario, but they don’t provide you with any information about what policy form(s) might apply? How would you answer that question and why? Anyone familiar with my articles and books knows my answer….

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