Articles by Christopher J. Boggs

Chris Boggs, CPCU, ARM, ALCM, LPCS, AAI, APA, CWCA, CRIS, AINS, is a veteran insurance educator. He is Executive Director, Big I Virtual University of the Independent Insurance Agents and Brokers of America. He can be reached at chris.boggs@iiaba.net.

Charting Covid: Purely Data for Data Sake

March 21, 2020, I began tracking COVID – specifically the daily numbers. I undertook this task for several reasons: I enjoy data, I wasn’t going anywhere for a while, but more specifically so that I could discuss it intelligently. Clearly …

ISO Business Auto Form and Endorsement Revisions

Effective November 1, 2020, Insurance Services Office (ISO) is introducing 19 new endorsements for its business auto program. Many of these changes are the result of requests from IIABA’s Technical Affairs Committee. Following is a brief description of each of …

Replacement Cost and the 180-Day Limitation Myth

What’s the best way to launch this article? Don’t know if I should say I’m itching for a fight or if it’s better to say insurance carriers are misinterpreting coverage forms and I am trying to stop them. You decide. …

Business Income: When a Covered Cause of Loss Occurs During a Coronavirus Shut Down

To analyze the business income policy’s response to the crossover of an excluded event and a covered event, we begin with the Business Income Insuring Agreement found in Insurance Services Offices (ISO’s) business income policy. The form reads: We will …

Replacement Cost and the 180-Day Limitation Myth

What is the best way to launch this article? I don’t know if I should say I’m itching for a fight or if it’s better to say that insurance carriers are misinterpreting coverage forms and I am trying to stop …

Legal Liability and Requiring COVID Masks

States are in various stages of reopening following months of COVID-19 lock downs. As the states progress through the phases, businesses are making key decisions regarding masks, should masks be required or optional? Some legislatures have taken the responsibility for …

Does Invoking the ‘Insurrection Act of 1807’ Affect Property Coverage?

Rocks being thrown by President Trump are causing major ripples in the insurance pond. His declaration that Antifa would be labeled a terrorist organization raised questions regarding whether coverage would be excluded, limited, or provided by the various terrorism endorsements. …

Property Damage – Is It Because the Government Says It Is?

Property Damage: Is it “Property Damage” Just Because a Jurisdictional Order Uses the Term “Property Damage”? Some plaintiff attorneys are almost giddy over the fact that several jurisdictions used the term “property damage” in their respective emergency declarations to justify …

The Facts About Supposed ‘Illegal Acts’ Exclusions

Is the Insurance Policy Affected if the Business Opens Against a Governor’s Orders: The Facts About Supposed “Illegal Acts” Exclusions States have gone to war against some municipalities over COVID-19. Executive orders currently in place in many states still bar …

Business Income, COVID-19, and Plaintiff Attorneys: They Keep Trying

“I think there was an attempt to dissuade the public from filing these claims and to shape the public opinion that this was not property damage,” said Steven C. Marks, managing partner at Miami-based Podhurst Orseck PA, who has filed …