Category: Miscellaneous

One Word

An insurer uses an ISO CGL policy, but with some seemingly minor changes in policy language. For example, in the CGL’s ‘auto’ exclusion, the insurer adds the word “nonownership.” One word. However, that one word guts much of the auto coverage included in the CGL policy.

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Reviewing Policy Deliverables

When placing an account with an insurer, an agency will request specific policy forms or coverages. When the policy package is delivered, the agency should make sure the requested forms are included. However, often overlooked, but just as important, are the forms included that the agency did NOT ask for.

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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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On the Road Again

Like Willie Nelson, I’ll soon be on the road again. If you’re attending any of these conferences or conventions, please introduce yourself and, if you’re a proud “When Words Collide” book owner, bring your copy and I’ll be glad to sign it.

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