Attorney Randy Maniloff introduces us to the difference between “the” insured and “an” or “any” insured in the insurance policy. Many ignore these little words (“the,” “an” or “any”) in…
Attorney Randy Maniloff introduces us to the difference between “the” insured and “an” or “any” insured in the insurance policy. Many ignore these little words (“the,” “an” or “any”) in…
Agencies initially develop the personalities of their owner. If the agent is sales oriented, the agency grows staff that key in on the sales and marketing process. If the agent…
Valued policy laws require the insurance carrier to pay the face amount of the policy if the structure is a “total loss.” In these situations, it does not matter if…
Valued policy laws require the insurance carrier to pay the face amount of the policy if the structure is a “total loss.” In these situations, it does not matter if…
Are insurance carriers required to honor an AOR? We have discussed this question a couple times, most recently with a Point/Counterpoint article. In this re-visitation a couple reader responses to…
Record flu seasons often garner heavy media attention. When any strain of the flu is in the news, whether it be Swine flu, Bird flu or 2018’s H3N2 strain the…
Insurance policies promulgated advisory organizations and other independent bureaus serve to establish consistency in policy wording. Even when a carrier creates and uses a proprietary form, that form generally contains…
Floods occur virtually everywhere in our country, but each flood has unique characteristics. The common denominator of each of these events is: insureds are virtually unprotected from the effects and…
Proprietary coverage forms are not always better than Insurance Services Office (ISO) forms. Careful comparison is required to confirm the insured is not harmed by non-ISO language. A recent Illinois…
