| |  | | | Commercial General Liability * Condominium Issues * Commercial Property * Personal Auto Issues * Workers' Compensation * Insurance Laws and Statutes / Coverage Resources * Special Feature - Charting COVID |
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| | Test your knowledge of the CGL and BAP with this short 10-question quiz. |
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| | Unlike the simple ISO HO policy, the ISO CGL policy has no specific professional liability exclusion. As a result,sometimes it can be difficult to determine whether a claimis an "occurrence" and covered by the CGL or an "act, erroror omission" and not covered. In this article, we'llexplore this issue and include a dynamite download from anattorney who has examined the legal precedents. |
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| | This article is about the often misunderstood exposure of discontinued operations. |
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| | How can a policy generating about $75 in revenue cost you $5,000, $10,000, or more? Believing that writing an HO-6 is quick and easy is the beginning of an E&O storm that can cost you thousands (your E&O deductible). |
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| | Watch this three-part series of 20-minute webinars free of charge now through December 3. |
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| | A large hailstorm and heavy rain resulted in substantial interior damage to a commercial building. Apparently hail stones clogged up the drains, causing the water to back up into the interior of the building, rather than the storm breaching the structure and allowing water to enter. Is this covered because “hail” was the proximate cause of loss under the Special Causes of Loss form? |
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| | Protests, civil disobedience, riots, and looting followed the death of George Floyd under the knee of a Minneapolis police officer. Might the terrorism exclusion apply to any damage caused during these protests and ultimate riots? Answering this question is initially more difficult than it appears. |
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| | If your client has a mural on the inside or outside of the building, how do you cover it? Is it covered by the property policy? Is there any special wording in the proprietary form that provides coverage? Many agents don’t consider insuring a mural, but it could be a very expensive exposure for your insured. This video session explores the coverage needs of a mural. This article is a follow up to the video presentation on murals. |
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| | An ISO PAP is issued to mom and dad for 4 autos, 3 owned by dad and 1 owned by an adult son. Mom and dad drive 2 of the autos. The adult son that owns one of the autos drives it and lives in a separate household. The 4th auto is owned by dad but driven by another adult son who lives in his own, separate household. Are there any coverage problems? |
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| | Your insured declines to purchase physical damage coverage because his vehicle “isn’t worth much” and “I’m a good driver.” His vehicle is totaled by another vehicle whose insurer denies liability. What now? |
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| | Test your knowledege of Personal Lines using this 10-question quiz. |
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| | Only “occupational” injuries are covered by workers’ compensation. To be “occupational” and thus compensable, the injury must “arise out of and be in the course and scope of employment.” All three distinct tests must all be satisfied for the injury to be compensable. |
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| | Your client decides to move its workers’ compensation coverage to a PEO, you need to know the answer to three questions: 1) What does the PEO do for my client? 2) How is my client’s work comp affected? 3) What information about PEOs and WC does my client need? |
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| | Threats of specific kinds of flu and pandemics garner heavy media attention. When any disease strain threatens a large geographic area, it gets lots of press as the next pandemic. When these stories begin airing, the question is often asked, “Is ‘the pandemic du jour’ compensable under workers’ compensation?” This article discusses what is required for an illness to be compensable under workers’ compensation. |
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| | State laws vary regarding auto policies, personal and commercial. Each state prescribes its own minimum limits and other required coverages. Some state require Uninsured Motorist (UM) and some states require Uninsured and Underinsured Motorist (UM/UIM). Is it a Personal Injury Protection state (aka, No-Fault); or are you allowed to exclude a driver? |
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| | The US and the world are more than seven months into the COVID pandemic. News and reports from all sides create confusion and fear. This is a simple attempt to provide key information or data without opinion or commentary. The reader is required to draw his or her own conclusion from the data provided. |
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