Author: Bill Wilson

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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An Agent Call To Action: Underinsurance

Is it time to re-visit the methodology used by agents to determine replacement costs and/or re-construction costs? How confident are you that the real property replacement values that you develop are sufficient to either replace or rebuild? If a natural catastrophe hit your community, would you have the same confidence in your replacement or rebuild figures?

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On Policyholder Attorneys and Public Adjusters

If you watch many policyholder attorney TV commercials, you might come to the conclusion that most insurance companies and their agents are the spawn of Satan. As a result, or maybe from isolated personal experiences, you might view policyholder attorneys and public adjusters the same way. I’ve come to a different conclusion.

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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.

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