In Auto Insurance – When Does Insurance Start?
August 22, 2023 Written By: Irene Morrill, CPCU, CIC, ARM, CRM, CRIS, MLIS, LIA, CPIW – Vice President of Technical Affairs, MAIA Over the last few months, there have been a few email issues about when auto insurance becomes effective and what happens when the insured doesn’t get the plate “in a timely fashion.” One…
Every Business Has an Auto Exposure, Whether They Own an Auto or Not
June 20, 2023 Written By: Irene Morrill, CPCU, CIC, ARM, CRM, CRIS, MLIS, LIA, CPIW – Vice President of Technical Affairs, MAIA Happy …rainy July – a great month if one is a duck! Yet another agent email question seemed like a good tech talk, so here goes. Agent Question: We insure a body shop,…
“Auto Equipment” and the AIB MAP and ISO HO
June 20, 2023 Written By: Irene Morrill, CPCU, CIC, ARM, CRM, CRIS, MLIS, LIA, CPIW – Vice President of Technical Affairs, MAIA One of your member benefits is asking questions of MAIA staff. We love answering questions, but sometimes we can provide “an answer” as there might not be “the answer.” The following is a…
The BAP and a Personal Trailer
May 22, 2023 Written By: Irene Morrill, CPCU, CIC, ARM, CRM, CRIS, MLIS, LIA, CPIW – Vice President of Technical Affairs, MAIA I have a question… We have a client who owns a pickup in his name, but it’s on his commercial auto policy due to weight/signage. He is buying a camper trailer, and the…
Host Liquor Coverage and the ISO Homeowners Policy
April 19, 2023 Written By: Irene Morrill, CPCU, CIC, ARM, CRM, CRIS, MLIS, LIA, CPIW – Vice President of Technical Affairs, MAIA An agent recently asked: We have been questioning if MPIUA has an exclusion for Host Liquor Liability. Someone has brought it to our attention, but we have read the policy form, and we…
TURO, UBER, LYFT, DOORDASH, GRUBHUB, and the Business Auto Policy?
March 22, 2023 Written By: Irene Morrill, CPCU, CIC, ARM, CRM, CRIS, MLIS, LIA, CPIW – Vice President of Technical Affairs, MAIA We have had multiple Tech Talks in the past regarding these business activities and the personal Massachusetts Auto Policy. These are business activities that are NOT designed to be covered under the Massachusetts…
How important is an application question?
February 22, 2023 Written By: Irene Morrill, CPCU, CIC, ARM, CRM, CRIS, MLIS, LIA, CPIW – Vice President of Technical Affairs, MAIA I receive many insurance emails daily from various business, insurance, and legal organizations and publications. The other day, I read an article about “the importance of underwriting questions in cyber apps.” And then,…
Tech Talk: I’m Protected by the Homestead Act – I Don’t NEED Liability Insurance…
Tech Talk: I’m Protected by the Homestead Act – I Don’t NEED Liability Insurance… By Irene L. Morrill, CPCU, CIC, ARM, CRM, CRIS, MLIS, LIA, CPIW VP Technical Affairs, MAIA That is one of the most FOOLISH statements that I have ever heard, and it is SO UNTRUE! Don’t get me wrong. I think protecting…
Tech Talk: Your client wants to know! A taste of the upcoming October convention …
Tech Talk: Your client wants to know! A taste of the upcoming October convention … By Irene Morrill, CPCU, CIC, ARM, CRM, CRIS, MLIS, CPIW, LIA VP Technical Affairs, MAIA MAIA’s annual convention …the BIG EVENT … is just a few short weeks away. So, to whet your appetite and to entice you to attend,…
TECH TALK: ANOTHER INTERESTING HOMEOWNER INSURANCE QUESTION
Tech Talk: Another Interesting Homeowner Insurance Question Irene Morrill CPCU, CIC, ARM, CRM, CRIS, MLIS, LIA, CPIW VP Technical Affairs, MAIA One of your member benefits is getting your questions answered by MAIA staff. My “specialty” is insurance-related questions. One agent emailed me …. Is it building or content? Is it a chicken or a…
I’m renting an auto on vacation out of the country…does my MAP and PUP cover me?
January 18, 2023 Written By: Irene Morrill, CPCU, CIC, ARM, CRM, CRIS, MLIS, LIA, CPIW – Vice President of Technical Affairs, MAIA I’ve had two emails in the last few weeks about car rentals out of the country, so big vacation weeks are coming up. Let’s take a look at what coverage there might or…
Tech Talk: Another Interesting Homeowner Insurance Question
Tech Talk: Another Interesting Homeowner Insurance Question Irene Morrill CPCU, CIC, ARM, CRM, CRIS, MLIS, LIA, CPIW VP Technical Affairs, MAIA One of your member benefits is getting your questions answered by MAIA staff. My “specialty” is insurance-related questions. One agent emailed me …. Is it building or content? Is it a chicken or a…
Tech Talk: Your Policy Coverage Could Be Limited Because of This…
Did You Know That How the Insured’s Name on the Commercial Policy Declaration’s Page is Written Can Limit Policy Coverage – a Recent MA Court Case Said So! by Irene L. Morrill, CPCU, CIC, ARM, CRM, CRIS, CPIW, LIA VP Technical Affairs, MAIA It’s scary when understanding policy language isn’t enough. The court case involved…
Tech Talk: Yet Another Auto Rental Question
Tech Talk: Yet Another Auto Rental Question by Irene Morrill, CPCU, CIC, ARM, CRM, CRIS, MLIS, LIA, CPIW VP Technical Affairs, MAIA Happy almost summer! Part of my job is answering questions and I know I discuss the following issue in class, but I haven’t addressed it specifically in a Tech Talk. An agent asked…
Tech Talk: Is Your Client “Adequately Insured” in Today’s Inflationary World?
Tech Talk: Is Your Client “Adequately Insured” in Today’s Inflationary World? Irene Morrill CPCU, CIC, ARM, CRM, CRIS, MLIS, LIA, CPIW VP Technical Affairs, MAIA I don’t mean to be an alarmist, but in today’s inflationary supply chain problem economy we really need to address current rebuild property values with our clients. The downside of subscribing…
Tech Talk: Property Policies and Fuel Oil Escape Losses
Tech Talk: Property Policies and Fuel Oil Escape Losses Irene L. Morrill, CPCU, CIC, ARM, CRM, LIA, CRIS, MLIS, CPIW VP Technical Affairs, MAIA Based on the recent fuel oil escape catastrophe at a personal residence located in Wareham, MA the “lack of coverage issue” is rearing its ugly head again. This particular fuel…
Tech Talk: The MAP and Camper Trailers …Coverage or Not?
Tech Talk: The MAP and Camper Trailers …Coverage or Not? Irene Morrill, CPCU, CIC, ARM, CRM, CRIS, MLIS, LIA, CPIW VP Technical Affairs, MAIA It’s interesting to me how interpretations can change even though policy language hasn’t. I have recently received a few email questions regarding camper trailers and the MAP. The following is just…