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Coverage Concerns

    ON THE MOVE

ON THE MOVE

ON THE MOVE  New ISO homeowners forms update coverage for conveyances It would be useful if ISO could define a logic for liability coverage that would apply equally to air, land, and watercraft, but the realities of transit technology don’t allow for that. By Joseph S. Harrington, CPCU “You can tell the men from the boys by the size of their toys.” Maybe, but it’s not always easy to tell

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COMMERCIAL CRIME COVERAGE

COMMERCIAL CRIME COVERAGE—PART TWO Look and you can find   [B]e sure to reach out to your favorite broker or MGA if you can’t find a specific type of crime coverage in the standard market.   By Marc McNulty, CIC, CRM The first installment of this two-part mini-series explored most of the coverages listed on the ACORD 141 Crime Section application. However, we still have one coverage to examine before

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    TOTAL EXCLUSIONS IN LIMITED WAR

TOTAL EXCLUSIONS IN LIMITED WAR

TOTAL EXCLUSIONS IN LIMITED WAR Will 21st century conflict call for 18th century insurance practices? By Joseph S. Harrington, CPCU Any Ukrainian currently suffering hardship or exile under Russian bombardment will justifiably recoil at any suggestion that the invasion of their country is a “limited” war. But, to the frustration of President Zelenskyy and his countrymen, that’s what the United States and its NATO allies are trying to establish and

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    Farm and Ranch Exposures

Farm and Ranch Exposures

OLD MACDONALD HAS A FARM (E-I-E-I-O)—OR DOES HE? A look at farm and ranch best practices and exposures   By Christopher W. Cook It was easy to come up with a title for an article on farm and ranch insurance, considering that “Old MacDonald Had a Farm” is a go-to song for comforting my (while I write this) 18-month-old son during car rides. After three or four rounds of repeating

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THE NEW HO-14

    IS THE NEW HO-14 BETTER THAN THE HO-4? New exposures require a “facelift” of the Homeowners Program     By Dustyne Bryant, MBA, CIC, CISR [I]nsurance professionals know that when new coverage forms are thrown into the ring, the critical lesson is to ensure that we understand the new form, its coverages, and its exclusions thoroughly. The Insurance Services Office (ISO®) announced in 2021 that multi-state filing changes

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