Untangling the Work Comp Mess – Who is Covered and When
Two key questions are answered in this report – what makes an injury or disease compensable under workers’ compensation and who is covered by the work comp policy.
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Untangling the Work Comp Mess – When Employees Travel and Their Families Sue
When employees travel out of state for work, real work comp coverage gaps can exist; and these gaps could leave the employer without the necessary protection they THOUGHT they purchased…
Workers’ Compensation: 5 Mistakes Every Agent Makes
Workers’ compensation, as a coverage, is simple. A worker gets hurt and, theoretically, the work comp policy pays; that’s the simple part. The more complicated areas of workers’ compensation involve…
How Many Claims Would Be Considered for Riots Lasting Multiple Nights?
An agent asks: We have a few clients with multiple retail locations throughout various states with various policies. If they have locations which receive damages from riots on multiples nights,…
How Does the Business Income Policy Respond to a Concurrent Covered Loss?
An agent asks: Several of my clients’ have suffered damage as a result of the riots in the area. However, prior to the riots they were already closed as a…
Illinois DOI ‘Requests’ Insurers Not Apply Policy Provisions
Company Bulletin 2020-15 issued June 8, 2020, by the Illinois Department of Insurance (IDOI) threw key provisions of the business income policy out the proverbial window. This article examines how…
Does Invoking the ‘Insurrection Act of 1807’ Affect Property Coverage?
Rocks being thrown by President Trump are causing major ripples in the insurance pond. His declaration that ANTIFA would be labeled a terrorist organization raised questions regarding whether coverage would…
Do the Acts of “Terrorists” Trigger the Terrorism Exclusion?
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…
Property Damage: Is it “Property Damage” Just Because a Jurisdictional Order Uses the Term “Property Damage”?
Some plaintiff attorneys are almost giddy over the fact that several jurisdictions used the term “property damage” in their respective emergency declarations to justify closing “non-essential” businesses. These attorneys are…
Is the Insurance Policy Affected if the Business Opens Against a Governor’s Orders: The Facts About Supposed “Illegal Acts” Exclusions
States have gone to war against some municipalities over COVID-19. Executive orders currently in place in many states still bar certain businesses considered “non-essential” from opening; but some municipalities have…
