Richard Wilson: the policy detail in his motel insurance account

Richard recalled a motel owner who had specifically requested an air-pollution rider before a carbon monoxide incident at the property.

The owner had read the policy

In Richard's account, the owner was an attorney who identified that the existing policy would not cover that type of incident. The owner requested an additional rider. Richard said the resulting coverage applied when the incident occurred.

The account concerned a particular policy

He used the example while discussing what an insurance professional could contribute by understanding a property's features and liabilities.

In Richard C. Wilson's words

"They had to manually request that and add it." (Richard C. Wilson, How to Start a Family Office mini-series)

How to use this

Identify which policy and requested addition are being discussed in Richard's account.
Keep a specific coverage example separate from assumptions about other policies.

Questions and answers

What addition did Richard describe?

An air-pollution rider requested by the motel owner.

Did he say it was automatically included?

No. He said the owner had to request and add it.