Virtual University | Liability-Exclusions

COVID-19: Are There Any Weird Homeowners’ Coverage Exposures?

Does having friends over during a state-mandated stay-at-home order create any insurance issues regarding COVID-19? What about when it’s over? These sound like weird questions. As weird as the questions sounds, the answer may be weirder.

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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 if you accidentally injure someone or damage their property? What if you teenager intentionally causes harm? What if you or your teen is sued for invasion of privacy? Do ISO HO policies cover these claims?

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HO and CGL Coverage for Water Damage to a Hotel Room

Travelers sometimes damage hotel rooms. Unless they’re rock starts, they probably do it accidentally, for example, by hanging a clothing item on a sprinkler head. The question is whether they have coverage under an HO policy if their stay is personal or under a CGL policy if they’re on business. The difference in coverage and the potential for loss may surprise you.

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HO Coverage for Camper Trailer

Is there liability coverage for a camper trailer while used at a camp site? Is that an insured location? Does the motor vehicle exclusion apply?

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HO Gun Liability Coverage

Concealed weapon and other gun laws seem to be proliferating around the country. Sooner or later, an insured or prospect is going to ask you if their insurance covers them if they should shoot an alleged burglar or assailant in self-defense. How would you respond to such questions?

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HO Liability Coverage for Floating Dock

An insured owns a home on the water and he has a floating dock anchored next to a buoy approximately 150 feet from shore. He wants to know if the ISO HO-3 policy will cover liability arising out of the use of that dock.

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Off-Premises Mobility for the Elderly

An increasing variety of motorized vehicles are being used to assist the elderly and handicapped in gaining mobility away from their residences. The question is, do they have any homeowners coverage for these vehicles?

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Rent Your Home for the Super Bowl

What are the coverage implications if insureds rent their homes during an event? This came up in Atlanta in 1996 with the Olympics, in Jacksonville in 2005 for the Super Bowl, and in Washington DC in 2009 for the presidential inauguration. For recurring events like the Indy 500, Kentucky Derby, etc., the question is more common.

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The HO Policy and Illegal Music Downloads

The chances are good that someone in your household or that of your customers is downloading music or other types of files from iTunes or other online services. It is also possible that someone is using a file sharing program to download files illegally. Are the increasing number of lawsuits against consumers covered by a homeowners policy?

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