How do you know if a form is pure ISO or not? How do you know how good or bad a form is for your customer? This article addresses one example and references additional articles so you can dig as deep as you like on the subject. Your E&O carrier will appreciate it.
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Virtually all property and cyber policies include “war” and often “governmental action” exclusions. Given the current warnings about real and potential cyber attacks by one or more governments against allies and supporters of Ukraine, would these policies respond or not?
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An insured owns a tractor and a semi, The insured hired someone to help move grain with the tractor and hit the parked semi, The farm liability policy adjuster denied coverage for damage to the semi on the basis that it was owned by the insured and you can’t be legally liable for damage to your own property. Is this correct?
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Business owners and officers rejecting, not electing, or not purchasing a workers’ compensation policy is a decision made to save money that could lead to financial ruin if they are relying on coverage under many health insurance policies that exclude workplace related injuries that are covered OR COULD HAVE BEEN COVERED by workers compensation insurance.
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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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You insure a business whose owners or officers have exempted themselves from workers compensation insurance, relying on their medical and disability insurance programs. Has everyone adequately investigated the potential ramifications?
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Do you review construction contracts, leases, loan agreements, or other contracts for customers? If so, do you use a disclaimer? Would you like to see a sample? If not, why? Is it the potential E&O exposure? What about losing that competitive advantage or imperiling your customer?
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You have two viable markets for cyber insurance for a customer. One offers a product that is the more limited of the two, but the coverages, terms and conditions are clearer. The other product uses broad, vague, potentially ambiguous policy language but allegedly offers broader coverage. Which should your customer choose?
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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.
To get BOTH books at a discounted price, click the book cover or CLICK HERE.