In Flood Risk Modeling, Resolution Matters – Even When You Think It Shouldn’t Cotality · Sep 7, 2016 We have all seen the dramatic pictures of destruction and loss after a devastating flood event. Usually, the…
Filling the Gap in Contractors Professional and Pollution Liability Academy Journal · Sep 6, 2016 Coverage Part A of the Commercial General Liability (CGL) policy is limited in scope, extending coverage to claims…
Work Comp: Extraterritoriality and Reci-What? Isn’t the Worker Covered Wherever He Goes? Academy Journal · Aug 23, 2016 Beyond knowing where employees regularly work, agents must know where employees might work during the policy period –…
What Features Have the Biggest Impact on Reconstruction Costs? Cotality · Aug 3, 2016 Reconstruction cost, not market value or assessed value, is used by insurers to determine homeowner’s coverage limits and…
Can an Augmented Reality Game Lead to Legal Liability? Academy Journal · Jul 26, 2016 “Legally obligated,” “legally responsible,” “legally must pay,” and “legally liable” are all insurance policy terminology referring to the…
Millennials Don’t Rule the World – Revisited Academy Journal · Jul 20, 2016 Recently I wrote an article about Millennials, at least that’s what many assumed. The article actually focused on…
Who is an “Insured” in the Homeowners’ and Personal Auto Policy Academy Journal · Jul 18, 2016 Just because a person lives in the house does not mean he is an insured under the Homeowners’…
Identifying True Insurance Needs Based on Realistic Rebuilding Costs Cotality · Jul 11, 2016 Because the reconstruction cost to rebuild a home is generally higher than the original cost to build that…
Millennials Do NOT Rule the World – Even Though They Think They Do Academy Journal · Jun 27, 2016 Google, “working with Millennials” and more than 22 million results pop up. No other generation has had so…
Occurrence vs. Claims Made Coverage Forms Academy Journal · Jun 13, 2016 One of two coverage “trigger” forms is used to provide liability protection: the “occurrence form” or the “claims…