Virtual University

How does keeping two sets of files impact errors & omissions exposure?

After the client submitted a claim, the restoration company found asbestos in the subfloor that was damaged in the claim incident. The adjuster is denying any coverage for the removal of the subfloor.

An agency is getting regular requests from homeowners associations (HOAs) to list the HOA as an additional insured on its tenants’ renters insurance policies. However, the carriers will only list the HOAs as certificate holders or additional interests.

A client is purchasing half of a duplex to rent on a long-term lease. The underwriter says that coverage should be written on an HO3 policy with an endorsement providing coverage for rental to others.

The insured does not want to cancel the business auto policy nor transfer the vehicles to his personal name and personal auto policy. Could the carrier deny coverage if a claim occurred?

What is the proper wording to reflect additional insureds on certificates of insurance (COIs)?

Which policy would a couple living in a retirement community need to cover their improvements? Would it also cover their golf cart?

Contractor B paid a fraudulent invoice for $26,000 to a hacker claiming to be Contractor A, and now doesn’t want to pay the legitimate bill.

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.