Earth-movement exclusion ruled applicable only to natural eventsThe insureds in this Florida case had an "all-risk" homeowners policy. While it was in effect, the insureds reported a loss for structural damage to their home and damage to
No coverage under manuscript BI policy for loss of power to supplierAn earthquake struck Taiwan in September 1999, disabling a substation that provided electric power to two Taiwanese factories. Lacking power, the factories could not manufacture
Existence of insurance ruled irrelevant to determination of agency relationship A boat collision resulted in the death of a girl and injuries to her sister. The girl's estate filed a wrongful-death action against the driver of the other boat, while
Court finds inventory-loss exclusion is not a basis for summary judgment A corporation that included 105 hospitals and 20 surgical centers among its subsidiaries discovered it was missing somewhere between $8 million and $12 million worth of
Coverage for heroin dealers found to be against public policyIn 1998, a young woman in Pennsylvania went to a man's home one evening, hoping to obtain heroin. At the time of the visit, the man was said to have been drinking beer and was under the
No coverage for sexual assault found in homeowners policy A young girl and her mother filed a complaint against the girl's paternal grandparents and their son (the girl's uncle), alleging that the uncle "sexually abused and sexually exploited" the
Broker can't intentionally misrepresent facts on an insurance application In 1998, a California general contractor was sued for its work on a single-family residence. The contractor's insurer initially undertook the defense of the claim under a
Third party not bound by agreement between carrier and its insured A company that arranged to have wood chips hauled for an affiliate in the lumber and pulpwood business contracted with a marine towing firm to tow seven hopper barges to Williamston,
Injury from stepping out of parked pickup found to be a 'motor vehicle accident'A man was injured when his foot became entangled as he got out of his pickup truck. No other vehicle, person or object was involved in the incident. The pickup was
Insurer's agreement with insured to not pay loss leads to bad faith claim On Jan. 8, 2000, a woman was driving a car, owned by her mother, when she collided with a parked, unoccupied car. The woman left a note asking the owner to call her. The driver