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Below is a listing of the documents that are available. Simply click on the document title to select that documents. The index is updated on a regular basis.
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Coverage issues
Top five coverages that inflation can affect
This resource kit discusses coverages affected by inflation and the importance of making adjustments to cover increased costs. 2 pages
1999 ISO employee theft endorsements
This resource kit unshackles the crime policy by examining some of the employee theft coverage variations that are available through several endorsements. 5 pages
Insurable interest—how far will it stretch?
For a claim to be paid the claimant must be an insured under the policy and the insured must have an insurable interest, as this resource kit will explain. 3 pages
U.S. territories—what are they?
A comprehensive definition of policy territories when it states the United States of America, its territories or possessions. 4 pages
Living trusts
In-depth analysis of living trusts—how they would affect homeowners and personal auto coverage, as well as probate procedures. 5 pages
Boom!—boiler and machinery exposures
This resource kit discusses ways to provide coverage for boiler and machinery exposures. 4 pages
Options for covering watercraft
A refresher on watercraft insurance and how to determine the best avenue for coverage for the wide range of watercraft available. 3 pages
Reservation of rights letters and nonwaiver agreements
A discussion of what a reservation of rights letter means with regard to coverage, including tips on producer involvement. 3 pages
A primer on surety
Offers a basic knowledge of surety fundamentals that will assist agents in serving their clients. 3 pages
The orphan policy
Explains how automobile and homeowners policies are affected when the policyholder dies. 3 pages
ISO Underground Storage Tank Program
Outline of ISO’s Underground Storage Tank Program that offers a self-contained policy and discussion of its features. 2 pages
Protection for good guys
A discussion of coverages to have in place for protecting nonprofits and their officers, directors and volunteers. 2 pages
The impact of production fluctuation on business income coverage
A discussion of how seasonal and yearly fluctuations in production can impact business income coverage and the appropriate measures to take to make the most effective use of premium. 5 pages
Manufacturers selling price endorsement
While many manufacturers have a continuous production schedule and relatively stable inventory levels, you should advise them of potential loss to the mark-up value of finished stock, as this kit will discuss. 4 pages
Insureds going through divorce—avoiding collateral damage
Discusses contractual obligations and provides prudent procedures that will assist agents dealing with policy issues that arise when insureds become separated or divorced. 3 pages
Bail-ing out
Discusses the coverage issues presented by bailments and how they are properly handled. 3 pages
2000 crime program revisions
Makes a simple distinction between the eight insuring agreements of the Commercial Crime Coverage Form in terms of the crimes covered, types of property covered and locations where property is covered. 4 pages
Insurance policy comparison firms
A listing of insurance policy comparison firms who can assist you in comparing policies for your clients. 1 page
The dreaded coinsurance exam question
For the insurance novice or the more experienced practitioner who has not quite been able to conquer the coinsurance concept. 4 pages
Additional insureds vs. named additional insureds
An in-depth discussion of the differences between additional insureds and named additional insureds. 3 pages
Sub-ro-ga-tion
Provides an explanation (with examples) of subrogation and how it applies to specific types of policies. 4 pages
Bailment basics
Outlines the legal theories that create exposures to financial loss. 3 pages
When dogs have more than a bark
An illustration of the “landscape” of the New York, New Jersey, Connecticut, New Hampshire and Vermont dog-bite laws, including specific approaches taken. 3 pages
ISO 2002 eligibility changes for garage risks
Addresses what to consider when converting a service risk from the garage policy. 3 pages
2006 ISO BOP
Summarizes the Insurance Services Office Inc.’s 48 changes to the BP 00 03 coverage form, 32 changes to multistate endorsements and 11 new multistate endorsements. 3 pages
Volunteers get much-needed immunity
A summary of the Volunteer Protection Act of 1997, a federal law, which limits the liability concerns for volunteers of nonprofit organizations. 2 pages
To report or not to report
A discussion of claim denials on the late notice of claim; if and when an occurrence is reported to the carrier and what implications there are for all parties concerned. 4 pages
Joint Ownership Coverage endorsement
Depicts relationships that can form the basis of joint ownership and illustrates when to use the ISO Joint Ownership Coverage endorsement to provide appropriate insurance coverage. 2 pages
It’s a coverage trap!
The resource kit focuses on exclusions and/or coverage restrictions that can sometimes be hidden in your insureds’ policies. 2 pages
Cyber insurance
This resource kit discusses what cyberliability is, how it can affect your business and what exposures you may have. 3 pages
Asking the right questions
Discusses the questions an insurance practitioner should ask to obtain a complete analysis of coverage. 4 pages
Catch the wave—how AI will affect insurance buying
This resource kit explains some aspects of artificial intelligence and how it will affect the way consumers do business in the digital world. 8 pages
Is D&O liability covered under a homeowners policy?
Reviews items that should be considered when discussing directors and officers liability exposures with your clients who volunteer for nonprofit boards of directors. 2 pages
Active shooter: is there coverage?
Discusses how a general liability policy would respond to an active-shooter negligence claim. 3 pages
Blanket or automatic: it really does make a difference
It is always important to be able to advise your clients correctly. This document discusses the distinction between “blanket” and “automatic” additional insureds, a common E&O exposure. 1 page
It’s the end of the world as we know it ... and I feel fine
Provides a refresher course on the basics of some key coverages your clients may want to consider. 2 pages
Indemnity Jones and the raiders of the lost policy
Discusses the importance of keeping track of older policies and records for evidence to help respond to a present claim. 2 pages
Cannabis insurance coverage
This resource kit discusses issues likely to confront the insurability of the cannabis industry along with summaries of court decisions on the subject. 5 pages
Insuring Hogwarts: a guide for Muggle schools
Offers a discussion on how to insure schools against student injuries, angry parents and outside risks. 2 pages