Personal Lines Articles

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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.