For many people, the outdoor grilling season is about over. Notice that I said “grilling” season and not “BBQing” season. Being a Southerner, we know that outdoor cooking is known as “grilling,” not “BBQing.” BBQing involves smoking meat and slathering …
For whatever reason, recently I’ve had a slew of questions involving wear and tear exclusions. Perhaps that’s a product of the hard market where claims are sometimes examined more intently, especially with regard to policy exclusions. To paraphrase – torture …
If you’re shopping for insurance online, with apologies to Bob Barker and Drew Carey, the price isn’t right. That is, shopping solely on price for any product or service that isn’t truly a commodity is the wrong approach, and insurance …
A general contractor hired a company to place a dumpster at a job site. However, the company put the dumpster in the street and a motorist struck it, damaging his vehicle. Of course, he has no physical damage coverage, the …
About three years ago, I published a book of 1,500 of my favorite quotations. As I was working on an updated edition recently, I came across a quote by 19th century British philosopher John Ruskin that I believe has significant …
Most agent errors and omissions (E&O) policies cover claims that arise from “professional services.” This term is usually defined in the E&O policy to be something like “activities as an insurance agent or insurance broker” or “services rendered as a …
The first time I can recall asking this question was in 2010 and it involved a claim denial under personal auto uninsured motorists and medical payments coverages for someone who was hit by a car while sitting on a snowmobile …
I initiated this column in 2019 with a 12-month series of articles summarizing the key points in my book “When Words Collide: Resolving Insurance Coverage and Claims Disputes.” In my June 2019 column, I wrote about what claim declinations should …
Anyone who has read this column for the past four years, or earlier articles of mine, knows that I am passionate about my disdain for the proliferation of price-focused industry advertising. I believe it creates or fuels the perception in …
Last month, insurance educator Chris Kendall, CPCU, ARM, et al., posted some results of a survey of 2,000 U.S. homeowners on LinkedIn. Conducted or commissioned by Goosehead Insurance Inc., one of the most revealing statistics was that 65% of policyholders …
