Virtual University

IIABAZ ​Members and VU subscribers have access to insurance, business and technology articles, many full sample ISO forms, white papers and information on issues affecting today's insurance marketplace.

Virtual University is an easily accessible website created, designed, and maintained solely for agents and brokers to use as a powerful resource of information.

The Virtual University contains the following:
Agency Management
Everything you need to know to operate your business in the most effective way possible. Topics include carrier evaluation, employee compensation, E&O loss control, perpetuation, agency procedures, valuation, advertising, business planning, sales, customer service, human resources, and more.

Certificates of Insurance
Producer & Employee Contracts
Customer Service Articles
Reduce Your E&O Exposure
Human Resources
Office Management
Professional Development


Ask An Expert
Members using the Big "I" University sometimes need answers to questions that they can't find in the Research Library. In such instances, we have a volunteer faculty of experts who can usually answer, or find an answer, to your questions.  Ask Your Question.

VU Point Newsletter
The VUpoint, the VU's FREE bi-weekly email newsletter is emailed every other week to subscribers around the world.


Each issue includes articles on:


  • Personal lines coverages
  • Commercial lines coverages
  • Agency management
  • Sales and marketing
  • Customer service, and
  • Technology and the internet
Insurance Section
Commercial Lines
Articles and white papers that address coverage and claims issues, many originating from our "Ask an Expert" service, involving business auto and garage exposures, business income issues, CGL exclusions, the need for D&O coverage, property valuation and coverages, and workers compensation problems.
  • Auto
  • Business Income
  • CGL
  • Crime
  • Flood
  • Miscellaneous
  • Professional Liability
  • Property
  • Workers Compensation
Life and Health
Basic L&H articles to improve the understanding of P&C producers and other agency staff members.
  • Health
  • Life
  • Miscellaneous

Personal Lines
While issues like in-home businesses and recreational vehicles are addressed, the focus is on mainstream coverage and claim Q&A involving homeowners and personal auto lines of insurance. Important issues ranging from diminished value claims to valuing homes are discussed in articles and included are white papers such as one on a potentially catastrophic HO “exclusion.”

  • Auto
  • Flood
  • Homeowners
  • Miscellaneous
Featured Resources

Certificates of Insurance Resource
White papers, articles, best practices, webinars, and PowerPoints that address many of the problems faced by agents when dealing with certificates.   

Where You Reside
Catastrophic Homeowners Policy ‘Exclusion’ - Most homeowners policies provide coverage for the dwelling on the “residence premises.” The term “residence premises” is typically defined to include the dwelling “where you reside.” The question is, what happens if you no longer (or never) reside(d) there?

Perpetuation Resources
There is so much to consider with an agency perpetuation plan: agency value, buy/sell agreement, agency ownership, internal, external, planned retirement, sudden death, and they are all important to prepare for as part of the plan of the agency life cycle.

VU Consumer Articles
Articles that have been written from a consumer perspective and provided in Word format, so that IIABA members could use them in their communications (newsletters, flyers, web site, etc.) with their clients or in local media publications. You are free to personalize these articles for your agency, including adding your byline, but be wary about changing the technical content. Also keep in mind that policy coverages change and your carriers' forms may not track with the ISO forms which are the basis for these articles.

Is Insurance a Commodity?
All insurance policies are not the same, regardless of what the media or commercials say and insurance is not a commodity. Here is information and tools to help Big "I" members combat the low-cost advertising that results in consumers buying inferior products.