Virtual University

An insured allows his employees to drive two of his personal vehicles for activities related to his auto repair buiness. Does PAP liability extend to the employees?

A commercial client has a third-party requirement of $1 million of employee dishonesty coverage. The agent can obtain a quote for $1 million of employee theft, but not employee dishonesty.

Nancy Germond, Big “I” executive director of risk management and education, explores the evolving landscape of middle market insurance in 2024 with Sandra Little, CEO of SKL Risk Consultants in Phoenix, Arizona.

If a customer of one of the tenants was injured in an auto accident in the parking lot, does the standard commercial general liability policy without the non-owned auto endorsement provide coverage for the landlord?

An insured is building a new home and plans to hire a moving company. If the moving company damages any of their personal property, is that covered under the Homeowners Policy Special Form 3?

A U.S.-based trucking client’s truck and cargo were stolen in Canada, but the carrier denied the claim due to a territorial exclusion. The loss happened “before the insured had a chance to read the policy.”

A client had car trouble and pulled into a private drive to investigate. The car leaked transmission fluid onto the driveway but the carrier denied coverage for the damage.

A carrier is adding the 1998 version of the ISO form CG 21 44 Limitation to Designated Premises endorsement to all policies on habitational or rental properties with more than one location.

A company has physical locations in eight states and at least five separate workers compensation policies. What issues will having these multiple policies create?

If a client with an HO6 policy leaves his bathtub on and it overflows and damages the unit below, how is the damage covered?