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  1. Bump in the road: Navigate pregnancy discrimination | QuickSource

    Offers information on the three federal laws surrounding pregnancy discrimination. 3 pages

  2. Choosing the right limit for your agency E&O coverage | QuickSource

    A discussion about the limits of liability your agency may choose for its E&O coverage and the importance of reviewing...

  3. Planned unit development | Ask PIA

    Is there a difference between a condo unit and a planned unit development?

    Below is a typical definition of “planned unit development” in New Hampshire’s town zoning ordinances: A planned unit development or planned residential development shall mean development of an area of land as a single entity, in which a mixture of either residential, commercial or industrial uses...

  4. Symbols: your key to what’s covered | Ask PIA

    Under the Business Auto Policy, could you discuss the difference between using Symbol 1, as compared to Symbols 7, 8 and 9, to indicate whether coverage applies?

    Coverage symbols are used to indicate which autos qualify as covered autos for each coverage being purchased. When the policy is received, you should check the symbols closely. If no symbol appears next to a coverage, that coverage will not apply to any vehicle. If the wrong symbol appears,...

  5. Resident family member | Ask PIA

    My clients insure a vehicle, used by their son at college, on a personal auto policy. The parents are planning to leave the country for two years. They have made arrangements to have the policy billed at the grandparent’s address. Is it alright to leave the parents as the named...

    I would be uncomfortable about doing this. While the son would clearly be an “insured” while driving the vehicle described in the policy, his status as a resident “family member” could be questioned. This could call into question coverage for situations where he is not operating the described auto.

  6. Transportation expenses | Ask PIA

    Does a personal auto policy provide expenses for airfare if our insured is on vacation and his vehicle is stolen?

    The 2018 ISO Personal Auto Policy has a limited benefit for “transportation expenses” and has been adopted by Connecticut, New Hampshire, New Jersey, New York and Vermont. This coverage is limited to $30 per day, up to a maximum of $900, so it would not go very far toward the typical airline...

  7. Damage to vehicle from shifting load | Ask PIA

    My insured was driving his pickup when he was forced to stop quickly. Equipment in the bed of the truck shifted forward, damaging the cab. Under a business auto policy, would this damage be covered under comprehensive or collision coverage?

    This loss likely will fall under the terms of the collision coverage, unless the company voluntarily interprets it as “other than collision.” The ISO Business Auto Policy pays under comprehensive for any cause of loss except the covered auto’s collision with another object or the auto’s overturn. This loss resulted from...

  8. Joint ownership coverage endorsement | Ask PIA

    Could you clarify what the Joint Ownership Coverage (PP 03 34) endorsement to the ISO Personal Auto Policy is designed to do?

    A vehicle owned jointly by husband and wife is eligible for the personal auto policy without this endorsement and the policy includes both under its standard definition of “you” (i.e., the most privileged category of insured). The PP 03 34 endorsement changes the definition of “you” to mean two or...

  9. Unlicensed CSR activities | Ask PIA

    In the state of Vermont, what duties can an unlicensed customer service representative perform?

    According to Vermont statutes 8 V.S.A. Section 4813d, an employee of an insurer or of an insurance producer is not required to be licensed so long as the employee does not receive any commission on policies written or sold to insured risks residing, located or to be performed in this...

  10. Betterment clause | Ask PIA

    In an auto physical damage claim, the insurer wants to use nonoriginal equipment manufacturer parts and the claimant does not want them. So, the company states that if the client insists on the original equipment manufacturer parts, it will invoke the policy’s “betterment” clause. Can they do this?

    The client has a right to receive “like kind and quality” in the parts used for repairs. Unless the use of OEM parts actually increases the value of the entire vehicle following the repairs, the “betterment” clause should not come into play. For example, “if a vehicle is repaired after...

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