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The Education Library contains several year's worth of useful and topical information pertaining to just about every aspect of insurance (commercial and personal lines), from rental car coverage and the personal auto policy to certificates of insurance and issues related to contractors and subcontractors.

Resource TitleDescriptionRating
2013 ISO Commercial General Liability Changes ISO revised various General Liability coverage forms and endorsements effective April 2013 to reflect the changing needs of insureds and insurers. This article from the Big "I" Virtual University covers the many changes in the program and reviews the effect the changes have on coverage. (Log in required.) 1 2 3 4 5
A Guide to Compensation Disclosure Should you, as an agent, disclose compensation practices to your client (and to what extent), and what, if anything, should you disclose about the efforts agents undertake on behalf of their clients? 1 2 3 4 5
A.M. Best Ratings Available on the Web

There is a quicker and easier way to determine the A.M. Best rating of an insurance company.

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Additional Insureds and Certificates

If you insure contractors or others who must enter into agreements specifying insurance coverages and certificate language, you could be opening yourself up to lawsuits or. Read this Virtual University article to learn how to avoid common practices that could ruin your career or even your agency. (Log in required.)


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Additional Insureds and the Homeowners Policy

Mike Edwards of the Big "I" Virtual University examines the entire additional insureds issue from a homeowners insurance perspective, including what you can and can't do to comply with requests for certificates of insurance and more.

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Advertising Gifts vs. Lead Fees How can I reward someone for helping me find qualified leads ... and is it even legal? 1 2 3 4 5
Agent of Record (AOR) Letters: Highway to the Danger Zone!

Use the AOR to get the business, but start from scratch and make sure the product that the insured has is correct and still the appropriate product.

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Agreed Value Coverage – Fannie Mae

One of the most common requests that an agency receives from a lender that relates to insurance is on a condominium master property policy regarding agreed value coverage. The request (or demand) goes like this "Per Fannie

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Agreed Value Loss Settlement Option

Does adding the agreed value option eliminate a possible coinsurance penalty come claim time?

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All Risk Coverage Advantages We are having a hard time understanding what the HO 17 32 - Unit Owners Coverage A Special Coverage does. Can you help? 1 2 3 4 5
Animal Liability and Umbrella Policies

Are dog bites covered under the standard Insurance Services Office homeowners' policy


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Auto Medical Payments: Top 10 Reasons to Carry It

There are many benefits to carrying automobile medical payments coverage on a personal auto policy.


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Back Dating Homeowners Cancellations Can I back date a homeowner's insurance cancellation? 1 2 3 4 5
BAP and Temporary Substitutes

Within a Business Auto Policy (BAP) are rented cars covered? As in most cases, it depends.

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 Numerous situations involving autos owned by individuals or corporations arise, whereby there is an attempt (often misguided) to save money by insuring a personally owned auto on a Business Auto Policy.

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