The “Where You Reside” Issue…Next Steps
On October 1, 2015 in most states, ISO’s new HO endorsements designed to resolve the potential “Where You Reside” coverage gap became effective. In less than two weeks later, we…
Personal Lines
The Insurance Implications of the U.S. Supreme Court Same-Sex Marriage Ruling – Personal Lines Edition
On June 26, 2015 in Obergefell v. Hodges, the U.S. Supreme Court in a 5-4 decision ruled in favor of same-sex marriage. So what does this mean for you and…
Coverage for Potted Trees, Shrubs and Plants Under HO Policies
Does the trees, shrubs and plants Additional Coverage in a Homeowners policy apply inside and outside the home? Does it apply to plants in a yard or to potted plants…
Why is an Open Perils Policy Superior to a Named Perils Policy?
If asked to give examples of claims that would likely be covered by an open perils property policy but not by a named perils policy, could you? We’ve compiled a…
When Can Coverage Be Dropped on a Stolen Car?
Your insured’s car is stolen. Since he only carried liability coverage, he wants to simply cancel the policy and get a return premium? At what point does his potential liability…
Graduation: For Whom the (Insurance) Bell Tolls
As bells chime across the campus, and the familiar refrain of “Pomp and Circumstance” announces yet another graduating class, a milestone has been reached by both the graduates and their…
Did You Get a Drone for Christmas?
There is a good chance that you or someone you know got a drone aircraft for Christmas. For many, the learning curve on controlling drones can be steep. What happens…
Kids Kars…An E&O Time Bomb: Can Your Staff Handle These Types of Scenarios?
Divorced parents have joint custody of their teenage son. Dad buys a car for the kid and insures it on his own policy. The agency insures mom and dad on…
HO Coverage for Freezing Claims Involving Outdoor Hot Tubs
Is an outdoor hot tub Coverage A, B or C under a homeowners policy? If damaged by a covered peril, is recovery on a replacement cost or an ACV basis?…
Variations on a Theme: Another Look at the Teen Driver Coverage Gap
Have you ever had an attorney or other “expert” advise one of your customers with a teen driver to place that teen on his or her own policy (usually at…
