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Independent Agent Magazine

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Should the Personal Umbrella Effective Date Match the Underlying Policy? https://www.iamagazine.com/strategies/should-the-personal-umbrella-effective-date-match-the-underlying-policyShould the Personal Umbrella Effective Date Match the Underlying Policy? Is it best practice to ensure that the personal umbrella policy effective date aligns with the date on the homeowners policy, personal auto policy or any other underlying coverage?11/18/2022 5:00:00 AMUmbrellasUmbrellas Personal LinesStrategiesBig “I” Virtual University Faculty
Vicarious Liability: Personal Exposure from Hiring a Personal Shopper https://www.iamagazine.com/strategies/vicarious-liability-personal-exposure-from-hiring-a-personal-shopperVicarious Liability: Personal Exposure from Hiring a Personal Shopper An insured pays an individual who uses their own car to shop and run errands. How can the insured acquire coverage for their vicarious liability from hiring the shopper? 3/18/2022 4:00:00 AMAutoAuto UmbrellasStrategiesBig “I” Virtual University Faculty
Will a PUP Cover a Business Owner’s Liability When BAP Limits Are Exhausted? https://www.iamagazine.com/strategies/will-a-pup-cover-a-business-owner-s-liability-when-bap-limits-are-exhaustedWill a PUP Cover a Business Owner’s Liability When BAP Limits Are Exhausted? In an incident when operating a business-owned and insured vehicle, there was personal liability once the business auto policy paid the full limit. 2/25/2022 5:00:00 AMUmbrellasUmbrellas AutoStrategiesBig “I” Virtual University Faculty
Spring Clean: How Long Should You Retain Documents in Your AMS?https://www.iamagazine.com/strategies/spring-clean-how-long-should-you-retain-documents-in-your-amsSpring Clean: How Long Should You Retain Documents in Your AMS?Differences between federal and state record retention rules as well as those included in carrier contracts may lead to uncertainty. 5/28/2021 1:00:00 PMUmbrellasCommercial Lines UmbrellasStrategiesBig “I” Virtual University Faculty
Do Commercial Umbrella Aggregate Limits Apply to an Underlying Policy Without an Aggregate?https://www.iamagazine.com/strategies/do-commercial-umbrella-aggregate-limits-apply-to-an-underlying-policy-without-an-aggregateDo Commercial Umbrella Aggregate Limits Apply to an Underlying Policy Without an Aggregate?If an insured has a $1-million, combined single limit (CSL) on an auto policy and they exhaust the auto CSL and the umbrella limits, would the limit for the umbrella be reset for any other loss? 5/21/2021 4:00:00 AMUmbrellasUmbrellas Commercial LinesStrategiesBig “I” Virtual University Faculty
Why Offer Terrorism Coverage for CGL and Umbrella Policies? https://www.iamagazine.com/strategies/why-offer-terrorism-coverage-for-cgl-and-umbrella-policiesWhy Offer Terrorism Coverage for CGL and Umbrella Policies? Why must an insured accept or reject Terrorism Risk Insurance Act coverage under a commercial general liability or umbrella policy? Does the TRIA act provide any coverage that would fall under these policies?2/19/2021 5:00:00 AMCommercial LinesCommercial Lines General Liability UmbrellasStrategiesBig “I” Virtual University Faculty