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.

Read More

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.

Read More

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?

Read More

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.

Read More

Stay Updated

Get a weekly digest of my most recent posts.



Top 5 Insurance and Legal Blog for 2017

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.

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.

To get BOTH books at a discounted price, click the book cover or CLICK HERE.