Fortune-Telling Exclusion

Woman in red with a veil holding her hands around a glowing crystal ball

Now is the time of year when the calls and emails start rolling in: “How much should we budget for our insurance next year?” Those are often accompanied by, “When… Read More

How to Survive a Kitchen Fire

Woman in yellow with Red apron leaning back from a fire in her skillet with a spatula in her other hand standing in a kitchen

Working in the insurance industry, I’ve had plenty of opportunity to warn folks about possible hazards that exist for them day-to-day, and how to be prepared to either 1) avoid… Read More

Notices of Cancellation (NOC)

White envelope with a window that shows the words "Final Notice!" with NOTICE in red and all caps

This month, we are going to talk about something that most folks try to avoid talking about – insurance cancellation notices, specifically for non-payment of premium. One of our readers… Read More

All-Inclusive, Walls In with Exclusions, Single Entity, Bare Walls…?

There are a number of ways condominium association insurance policy language can be written. Each is a response to the language of the specific community’s governing documents (CC&R). While not… Read More