Category: Opinion

Did you know that, in most states, it may be harder to earn a license to cut hair or fingernails than sell or service insurance? What has become of insurance education today? Is the future of insurance education? Given recent events, perhaps so.

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If Not Illusory, Is It Fraudulent?

If someone sells a policy they know does not cover 99% of what someone does for a living, does that constitute insurance fraud? If not, is it ethical? What if the provider is simply ignorant? If the coverage provided by the policy is largely illusory, will the courts support a claim denial?

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New Interview

In the debut episode of Season 2, we spend some time with Bill Wilson, the founder, and CEO of, a website dedicated to property & casualty commentary; a site we all have saved to our favorites here at the PGI home office.

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Using “Big Data” to Make Unilateral Policy Coverage Changes

An insurer makes a unilateral change in policy coverage, adding a named insured, based on “publicly available” information. Is this legal or appropriate? What about erroneous “public” information (aka “big data”) the insurer uses for coverage or rating purposes without confirmation by the insured, e.g., household residents, dwelling square footage, incorrect credit information, etc.

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Why Insurance Doesn’t Cover the COVID-19 Pandemic

THE Definitive and Conclusive Analysis of Why Insurance Doesn’t Cover Pandemics. is now available on presale at This book by one of the industry’s foremost P&C insurance coverage experts, author of “When Words Collide: Resolving Insurance Coverage and Claims Disputes,” explains why potentially trillions of dollars of COVID-19 business interruption losses should not, can not, and are not covered by insurance.

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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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