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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.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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Certificates of Insurance The use and abuse of the two-page document referred to as a "Certificate of Insurance." In reality there are two varieties of this document, the Certificate of Liability Insurance and the Certificate of Property Insurance.  This FAQ outlines some typical questions. 1 2 3 4 5
Certificates of Insurance Checklist This PDF provides a tool that agents can use to help their customers understand the terms and conditions in a construction contract that may be problematic in a contract before the customer signs the contact. 1 2 3 4 5
Claim Denials via Florida Statute 627.409 It's likely that not one in 1,000 insurance professionals would know what Florida Statute 627.409 is and how it can result in a claim denial or even possibly an E&O claim. 1 2 3 4 5
Contractor/Subcontractor Issue

Here is the portion of the Florida Workers' Compensation Law which has to do with the relationship of contractors to their subcontractors  

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Domestics, Contractors, and the Homeowners Policy This article examines what coverage is provided by the standard Insurance Services Office (ISO) homeowners policy for such situations. 1 2 3 4 5
Garage Policy vs. CGL+BAP+GKLL Many companies insist on writing some auto service exposures under the CGL and BAP policies, with Garagekeepers Legal Liability attached. Other carriers use a Garage form. Is one approach better than another? The VU Faculty weighs in. (Log in required.) 1 2 3 4 5
Lassiter Construction Company Inc. (Court Case)

In the opinion of the court, if there is no coverage for a claim then an exclusion cannot provide same.

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Segway Human Transporter Insurance

This article will examine the insurance implications of the Segway looking at personal lines issues, commercial lines issues, first-party issues, and third party issues.


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When Are 'Completed Operations' Completed? The CGL policy usually covers both on-going and completed operations. However, at what point is an operation completed? This question has particular significance when the business is involved in some sort of periodic service contract. Log in to the Big "I" Virtual University for the answer. 1 2 3 4 5