Just because a person lives in the house does not mean he is an insured under the Homeowners’ (HO) or Personal Auto Policy (PAP). Nor does an individual necessarily have to live in the household to be insured on either …

Google, “working with Millennials” and more than 22 million results pop up. No other generation has had so much emphasis placed on them as they entered the workforce. Recently I attended a conference where the primary or secondary focus of …

One of two coverage “trigger” forms is used to provide liability protection: the “occurrence form” or the “claims made” form. Generally, there is no difference in the breadth of protection provided by either form, the difference lies in what “triggers” …

I’ll spare you the suspense, the one auto insurance commercial that really ticks me off (and I mean it causes a physical and even visceral response) is the Good2Go Auto commercial. This is not a word-for-word recount of the ad, …

Who is an “Insured?” Not as basic a question as it may sound. Status as an insured must exist before ANY question of coverage can be tackled – if the correct “person” is not named as an insured or extended …

This week is National Dog Bite Prevention Week (certainly a noble cause). To celebrate this “occasion,” the Insurance Information Institute (I.I.I.) published the most recently available dog-bite statistics. According to the study, more than one-third of all homeowners’ insurance liability …

Several weeks ago I released an article questioning the need for the “primary and noncontributory” (PNC) requirement found in most construction contracts. I followed that article with a piece stating that the insurance industry should band together to save the …

Consolidating separate legal entities’ loss experience to develop a common experience modification factor has the potential to cause confusion for the client and sometimes the agent. Clients may view such mixing of loss experience due simply to common majority ownership/interest …

Two tests must be satisfied before an illness or disease can be considered occupational and thus compensable under workers’ compensation: The illness or disease must be “occupational,” meaning that it arose out of the course and scope of employment; and …

Last summer the Academy of Insurance held a live, in person class discussing the work comp premium audit. The Academy assembled a team of knowledgeable work comp audit professionals to offer advice on how to use the work comp audit …