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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Why do people fail to purchase insurance or cancel or suspend their coverage? Probably the motivation beyond the monetary is that they don’t believe a loss will ever happen to them. Here are a couple of real-life examples of why pennywise and pound foolish is a poor risk management tactic.
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“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?”
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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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Quora.com is a web site where you can ask a question about anything and get an answer. The...
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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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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?
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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.
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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.