Although most commercial property policies provide examples of how coinsurance works, WHY policies have such a clause is a mystery to most insureds…and many agents. So, let’s examine the principle behind coinsurance in a way that can be easily explained to business owners or new hires….
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Beginning in April, you will have two options for a 12-hour series of webinars based on the book “When Words Collide: Resolving Insurance Coverage and Claims Disputes.” One option is less expensive and includes access to dozens of other webinars but provides no CE credit. The other option is slightly more expensive but includes CE credit in a number of states. Choose the one that works best for you.
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A plumbing line freezes and bursts, causing extensive water damage. Is this covered by homeowners and commercial property policies? Well, it depends. Four blog posts enumerate several coverage issues pertaining to frozen water pipes.
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An agent wrote a commercial property policy with a Special Causes of Loss form attached. That is,...
Read MoreDo you routinely offer additional limits of debris removal coverage? If not, the Paradise, California wildfire might help you and your customers understand why this is so important.
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The news has been dominated lately by the California wildfires. As a result, I’ve had several questions about the insurance and risk management implications that are addressed in this article.
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“An employee of the business we insured accidentally damaged large steel rolling doors in the warehouse while operating a forklift truck. Is there coverage under the 2013 ISO CGL policy for this type of claim?”
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The insurance industry has many myths. One such bit of folklore is that business income coverage requires damage to COVERED property. Under the ISO forms, it does not. For example….
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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.
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