Condo Associations and the NFIP
What happens with there is not enough coverage from the NFIP to cover the condo association. Do the unit owners purchase their own coverage or does the association have to…
Personal Lines
Dad Hitches His Trailer to His Daughter’s Auto…Uh Oh
A father’s nonresident daughter borrowed his camper trailer to be hauled by her SUV. Dad hooked the vehicles up. While the trailer was being towed, it somehow became uncoupled, and…
Insured’s Party Gives Her Insurance Agent Heartburn
A customer is considering hosting a party for a church group on a property someone is giving her free access to. If there is a liability claim, will her ISO…
Leasing a Company Car to Yourself
Most insurance agents “could write a book” about some of the choices consumers often make about their insurance protection. A prime example is the small commercial insured that has his…
Post-Flood Homeowners Questions
“We have been getting some questions from our insureds about coverage under a Homeowners Policy for exposures that developed after the recent floods. I want to put together an FAQ…
HO Coverage for College Student Residing in an Apartment
Your insured’s 21 year old daughter is moving from a dorm to an apartment at college. She has been covered on your family HO and PUP policies but the underwriter…
Swimming Pools…HO Coverage A or B?
We often get questions about in ground pools and whether they’re HO Coverage A or B. HO guru David Thompson explains, with photos, why this isn’t always cut and dried,…
CP Coverage for Docks
A dock is damaged by a covered peril but the carrier denies the claim, citing the “piers, wharves, docks” exclusion. You argue that his language applies to permanent docks, not…
Drivers vs. Insureds
We find that often there is a misconception that listing someone as a driver on an auto policy automatically makes them an insured or that someone is not an insured…
HO Coverage for Damage Caused by Falling Tree
What happens if an insured’s tree falls and damages property or injures someone on a neighbor’s premises? If the occurrence is caused by an “Act of God,” is the insured…
