Personal Lines Articles
Latest Articles
Personal Risk Management
Crafting the Right Coverage for Uber and Lyft Drivers
2018-10-26 | Robin K Olson
Learn how to insure clients who work for ridesharing companies.
Claims Practices
California Case Comes Down Hard on Insurers
2018-10-19 | Barry Zalma
Barry Zalma relates a case finding single acts in violation of the regulations can constitute a business practice.
Time Element
The Essential Equation: A Formula for Determining Business Interruption Loss
2018-09-28 | Daniel Torpey
Daniel Torpey explains that the most fundamental elements in resolving claims are a correct application of the BI formula and the integrity of the calculations behind it. Examples are provided.
Personal Lines Insurance
What Exactly Is Actual Cash Value? Better Yet, How Do You Calculate It?
2018-09-21 | Mike McCracken
Why are there so many problems surrounding the issue of ACV at claim time? Mike McCracken explores the reasons in various jurisdictions.
Personal Risk Management
Renovations Can Cause Homeowners Insurance Coverage Gaps
2018-07-27 | Kurt Thoennessen
Renovations Can Cause Homeowners Insurance Coverage Gaps—Major risks exist when loss strikes a house being remodeled. Kurt Thoennessen explains.
Personal Risk Management
Personal Cyber-Security Planning Guide
2018-04-27 | Kurt Thoennessen
Cyber Security—Not Just for Big Business—Assess your personal risk of cyber crime, and learn some ways to handle it from Kurt Thoennessen.
Claims Practices
Taking Months To Hire a Public Adjuster Is No Excuse for Late Notice
2018-04-13 | Barry Zalma
Being too busy is not a tenable excuse. Barry Zalma relates a California case.
Claims Practices
Coconspirator's Civil Testimony Convicts Arsonist
2018-01-19 | Barry Zalma
No hearsay protection in a recent Connecticut case related by Barry Zalma.
Auto Insurance
Business Auto Policy Covered Auto Designation Symbols
2017-12-15 | Royce Gene E Farnsworth
Discover how expanded UM/UIM coverage affects hired and nonowned autos in various states, and learn the correct designation symbols for business auto policies.
Personal Risk Management
10 Steps to a Well-Designed HO 6 Policy
2017-11-10 | Jack Hungelmann
10 Steps to a Well-Designed HO-6 Policy—In an update to his 2012 article, Jack Hungelmann reviews the problems and solutions of HO 6 insurance policies.
Personal Risk Management
Crafting the Right Coverage for Uber and Lyft Drivers
2018-10-26 | Robin K Olson
Time Element
The Essential Equation: A Formula for Determining Business Interruption Loss
2018-09-28 | Daniel Torpey
Personal Lines Insurance
What Exactly Is Actual Cash Value? Better Yet, How Do You Calculate It?
2018-09-21 | Mike McCracken
Personal Risk Management
Renovations Can Cause Homeowners Insurance Coverage Gaps
2018-07-27 | Kurt Thoennessen
Claims Practices
Taking Months To Hire a Public Adjuster Is No Excuse for Late Notice
2018-04-13 | Barry Zalma
Auto Insurance
Business Auto Policy Covered Auto Designation Symbols
2017-12-15 | Royce Gene E Farnsworth
