Other Personal Lines | Insurance Commentary with Bill Wilson

HO HO HOmeowners Questions

by Bill Wilson | Dec 23, 2019 | Homeowners, Other Personal Lines, Personal Auto | 0 |

“I have an in-home ‘business’ involving the manufacturing and distribution of toys for children. I do not charge for these toys and earn no income from them. I have both on- and off-premises exposures for damage to the toys, my personal property, and my liability. Does my HO-3 cover me? I also operate a vehicle that travels largely by air, but with very frequent ground stops. The vehicle is unlicensed and, while it can be used on public roads, it was not designed as such nor is it used that way. Will the ISO personal auto policy protect me, is my homeowners sufficient, or do I need a recreational vehicle policy?”

“When Words Collide” Webinars

by Bill Wilson | Mar 15, 2019 | CGL, Commercial Auto, Commercial Property, Homeowners, Issues, Miscellaneous, Opinion, Other Commercial Lines, Other Personal Lines, Personal Auto | 0 |

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.

What Auto Liability Limits Do I Need?

by Bill Wilson | Dec 18, 2018 | Homeowners, Other Personal Lines, Personal Auto | 1 |

Quora.com is a web site where you can ask a question about anything and get an answer. The...

Weasel Words

by Bill Wilson | Aug 1, 2018 | Miscellaneous, Other Commercial Lines, Other Personal Lines | 2 |

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?

InsurTech Interview

by Bill Wilson | Jul 18, 2017 | Homeowners, Issues, Miscellaneous, Opinion, Other Commercial Lines, Other Personal Lines, Personal Auto | 3 |

Recently, Trusted Choice’s Ryan Hanley interviewed me for an Agency Nation podcast about insurtech, disrupters, et al. To listen to the 30 minute podcast….

Risk Management

by Bill Wilson | Jul 17, 2017 | Miscellaneous, Other Commercial Lines, Other Personal Lines | 1 |

Assuming measured risk is how we accomplish things in the insurance industry and in our personal lives. So, why do we so often remain in harbor instead of sailing outward from that place of security?

Does “AN” Insurance Policy Cover…?

by Bill Wilson | Mar 24, 2017 | CGL, Commercial Auto, Commercial Property, Homeowners, Issues, Miscellaneous, Opinion, Other Commercial Lines, Other Personal Lines, Personal Auto | 2 |

Does your staff respond to customer coverage questions by generalizing about whether “a” homeowners policy or “an” auto policy or “the” CGL policy covers….? If so, you may have a serious E&O exposure.

Personal Lines Commission Reductions – Part 2 of 2

by Bill Wilson | Jan 17, 2017 | Homeowners, Opinion, Other Personal Lines, Personal Auto | 1 |

Last December I heard about personal lines commission reductions from two carriers from agents who were concerned and inquiring about what they could do to combat this. So, I ran this issue by some experts and this and the previous post are two of those responses.

Category: Other Personal Lines

HO HO HOmeowners Questions

“When Words Collide” Webinars

What Auto Liability Limits Do I Need?

Weasel Words

InsurTech Interview

Risk Management

Does “AN” Insurance Policy Cover…?

Personal Lines Commission Reductions – Part 2 of 2

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