Virtual University

Would liability and physical damage coverages cover a rental car? Would there be a coverage gap in loss rentals?

An insured has a manufactured home insurance policy. The insured used to live in a home on the same deed of land but has now turned the dwelling into a storage building.

The insured does not want to submit a claim because they are adamant the accident was not their fault.

The nonprofit owns buildings, has tenants and collects donations. Donations appear on the nonprofit’s profit and loss statement and therefore impact the profits.

An agency is considering adding language to its agent of record (AOR) letter advising that the agency is not responsible for any deficiencies that exist in the coverage until it has a reasonable chance to review the coverages.

After trees fell on an insured’s roof during a windstorm, the carrier is limiting payment to remove the trees from the roof to the $1,000 sublimit under Section 1—Additional Property Coverages for Debris Removal.

If an agency uses a carrier’s property cost estimator evaluation tool to come up with a valuation on a risk, who is liable if the risk is underinsured?

If an agency uses a carrier’s property cost estimator evaluation tool to come up with a valuation on a risk, who is liable if the risk is underinsured?

A nonprofit wants to use a golf cart, which is not required to be licensed in the state, to travel around a university campus. Is the golf cart considered an auto or mobile equipment?

Can townhouse exteriors be insured by each owner, with the homeowners association (HOA) insuring common areas?