Virtual University

The experts weigh in on resources for developing a general checklist of questions to ask commercial applicants.

Employees dropped and damaged a couch when moving it between buildings. The carrier says that the couch is not covered under the motor truck cargo policy once it has left the truck.

A golfer’s ball broke a window in a house on a golf course. The golfer, who submitted a claim under his personal policy, was denied coverage due to “the hazards of living on a golf course.” Is the golfer legally liable?

An insured with a business auto policy rents a warehouse he’s not contractually obligated to insure. While backing out, he hit the building, and the carrier is denying coverage.

After an insured was stung or bit by an insect, blacked out and crashed into a tree, the carrier says there is no coverage as the insured is not legally liable for the loss.

After an auto accident in which one vehicle was 100% at fault, the car repairs are delayed. Should the negligent driver’s policy pay for rental reimbursement beyond the 30 days listed in the policy?

Should the carrier pay the third-party claimant actual cash value (ACV) costs based on case law even if there’s nothing mentioned in the policy language?

A windstorm blew some shingles off a wood shake roof, but due to the roof’s age, repairing the damage would do more damage to the existing shingles.

A high net-worth prospect lives in a home that is owned by a trust in their spouse’s name. How can the agent make sure the trust and the individuals are covered?

How are defense costs handled in this scenario? Is the insured responsible for these costs?