Category: Commercial Property

Is It ISO or Is It Memorex Insurance Company?

You’re asked by a business partner of your insured if coverage is provided by a particular ISO policy form “or its equivalent.” How do you know if a carrier policy form is pure ISO, modified ISO, or proprietary, and whether it’s “equivalent”? Or, you just attended a seminar or webinar on homeowners insurance using the ISO forms and you want to know whether your HO insurers are pure ISO or something else. How do you tell?

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“Protective Safeguards” Requirements

Many policies include requirements that certain protective measures be taken for coverage to apply. For example, both personal and commercial lines policies often have a freezing exclusion that is waived if the insured makes reasonable efforts to maintain heat in a building or shut off the system. Other requirements impose an exclusion if a protective system is not maintained, for example, sprinkler system and burglar alarm system Protective Safeguards endorsements.

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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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