Personal Lines

HO Coverage for Volunteer Board Service; Join the Mod Squad; Insuring Emergency Response Fees

Swimming Pools and the Homeowners Policy; Swimming Pools and the CGL Policy; When Residents Have No Contents Coverage (and Worse)

Bo Govea makes a science of selling personal lines. Since starting Leawood, Kansas-based Community Insurance Consultants from scratch just three years ago, Govea has captured the home and auto business of many of Kansas City’s wealthiest residents.

At his nephew’s farm-themed birthday party, Ace stops a farmer from connecting his SUV to a trailer for hayrides. The problem? A potential abuse of the vehicle’s insurance coverage.

The Critically Important Policy Edition Dates; The BAP and Temporary Substitutes; Insuring Homes Owned by LLCs

Can an insurance company deny a homeowners policy claim because of damage caused by a squirrel? There’s no more fitting of a time than Groundhog Day to learn about how rodent damage is treated by homeowners coverages.

Humpty Dumpty took a fall…and broke. The woman who dropped the figurine—owned by her boss—asks Ace if her homeowners policy would cover the cost to replace the antique, which she was bringing to an antique show for an appraisal. The answer to her questi

Profit and Overhead When Insureds Repair Their Own Damage; Insurable Interest in Personal Property; Covering Claims by Domestic Employees

Ace nails the question of whether or not to insure a clay tennis court installed on personal property.

I’m Your Vehicle, Baby; The Third-Party-Over Party Isn’t Over; Hitchin’ a Ride