Botnets, Bot Herders and Zombies June 19, 2017 Even though it might sound like a friendly little creature from another planet, a botnet is…

Flood Policy and Storage of Contents June 19, 2017 We have a flood claim on a property that has suffered water damage to both the dwelling…

Earth Movement Exclusion Prevents Coverage for All Earth Movement June 12, 2017 This week an appellate court in Michigan ruled that the…

One Man’s Treasure June 12, 2017 We insure a Business Auto Policy with Symbols 7, 8 and 9 for Property Damage. Our insured is a…

Beware of Ransomware June 6, 2017 Ransomware (malware that encrypts data pending an extortion payment) threat is accelerating rapidly…

RCV Holdback When Less than Settlement Amount is Spent for Repairs June 5, 2017 Under the standard HO-3, within the Loss Settlement Condition, there…

E-Cigarette Use in the U.S. June 5, 2017 An Overview Summary: E-cigarette use in the U.S. is increasing, particularly among young adults. As a result,…

CATS and Dogs: When it’s More than a Summer Shower June 2, 2017 As many insurance professionals know, June first is the start of hurricane season,…

Domino’s or Uber: Walmart Employees Delivering Packages is Similar to One, Both, or Neither? June 2, 2017 A June first article in the…

E-Cigarette and Vaping RegulationsMay 22, 2017The following chart provides state-by-state regulations for vaping and e-cigarettes. First…