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Ray Sugrim is an Insurance Editor with FC&S Expert Coverage Interpretation, a division of National Underwriter Company and Arc Network. Ray is responsible for helping develop and edit content for subscribers. Ray is a St John’s University graduate with a degree in Risk Management & Insurance and is a CPCU candidate.
This case shows that courts will enforce the plain language of an insurance contract, regardless of the provisions of another agreement.
The court considered three arguments from Allstate before ruling in the homeowner's favor.
The court said this case may have gone differently if the insurance contract had been from the private market as opposed to an NFIP policy.
A U.S. District Court analyzed the insurance policy to determine the intended coverage.
The Court of Appeals reversed the trial court's ruling after applying a strict liability standard.
The court determined that being intoxicated on the job is a departure from the ordinary course of employment.
Red Roof Inn sought coverage under its commercial general liability policies issued by Liberty Mutual.
The insured died in his home, but his body wasn't discovered for 10 days.
The court analyzed whether certain policy terms were ambiguous and whether an endorsement's coverage was illusory.
The court determined that the trial court erred in its ruling in favor of State Farm.
Resources
Fleet Response
From Fleet Response
Human insight remains irreplaceable in claims management, even as automation and AI revolutionize the industry. Explore the critical role of empathy, judgment, and trust in the claims process and the limitations of technology.
Download Resource
Sedgwick
From Sedgwick
A new era of property claims is taking shape. Technologies are advancing, risks are becoming more complex and experienced talent is leaving the workforce. This report explores eight pressing trends reshaping the future of loss adjusting and what they mean for property carriers.
Download Resource
Way.com
From Way.com
Discover how embedded roadside assistance can transform customer relationships, provide valuable data insights, and strengthen your brand. This guide reveals the untapped benefits beyond just improving satisfaction and reducing churn.
Download Resource
Fleet Response
From Fleet Response
Automotive service operators often pay claims on instinct to keep customers happy, but this costs millions. This report reveals the data behind professional claims management and shows how it drastically reduces unnecessary payouts and cycle times.
Download Resource
Sedgwick
From Sedgwick
Catastrophe risks are shifting. Frequent, moderate losses and secondary perils are replacing isolated, high-intensity events. This playbook provides a new game plan for carriers to navigate the 2026 season with confidence.
Download Resource
Sedgwick
From Sedgwick
AI is reshaping the property claims experience, but many carriers struggle to scale it effectively. This guide explores how to blend automation with human expertise to reduce cycle times, lower costs, and gain a true competitive advantage.
Download Resource
Moody's
From Moody's
Standard data misses key property risks from severe storms. This white paper reveals how AI-powered insights uncover hidden vulnerabilities, enabling more accurate risk differentiation for profitable growth and smarter underwriting.
Download Resource
Moody's
From Moody's
Traditional underwriting guidelines often miss key property details, leading to mispriced risk in hurricane zones. This white paper shows how AI-powered property intelligence uncovers hidden growth opportunities by providing precise, location-level risk data.
Download Resource
ePayPolicy
From ePayPolicy
The insurance industry's reliance on paper checks creates massive operational costs, fraud risks, and payment delays. This guide reveals the true cost of manual processing and how to modernize your receivables to protect your bottom line.
Download Resource
ZestyAI
From ZestyAI
Wildfire risk is no longer confined to the West, and structural losses are outpacing acres burned. This report provides P&C insurers with critical insights into this year's wildfire season and the property-level underwriting strategies needed to adapt.
Download Resource
Way.com
From Way.com
The auto insurance industry faces a commoditization crisis. When customers only hear from you at renewal, price becomes the only differentiator. This white paper reveals how to close the engagement gap and build lasting customer loyalty.
Download Resource
ePayPolicy
From ePayPolicy
Stuck chasing reports, approvals, and signatures? This checklist outlines six high-impact automation strategies designed to eliminate busywork, reduce operational costs, and free up your team for what matters most: strategic growth.
Download Resource
Way.com
From Way.com
Insurance carriers often struggle with low customer loyalty and satisfaction. This guide explores how embedded benefits create positive, everyday touchpoints, transforming the policyholder relationship and boosting key CX metrics like NPS and CSAT.
Download Resource
Way.com
From Way.com
Customer loyalty in auto insurance is more fragile than ever. This guide provides a new playbook for insurers to build lasting relationships by adding value beyond the policy and turning key moments into trust-building opportunities.
Download Resource
Covenir
From Covenir
As severe weather events surge, claims leaders face immense pressure. This playbook outlines six practical strategies to improve readiness, strengthen operational resilience, and better support policyholders when disaster strikes.
Download Resource
Way.com
From Way.com
Harbor Insurance faced frequent complaints and low usage with their previous roadside provider. By partnering with Way, they transformed their customer experience, increased revenue, and boosted policyholder retention. Download the case study to learn how.
Download Resource
Soteris
From Soteris
In a soft auto market, one P&C insurer cut rates, surged new business volume 2.9x, and improved their loss ratio by 3 points. This case study reveals the AI-powered strategy they used to achieve profitable growth.
Download Resource
Soteris
From Soteris
See how one admitted insurer achieved a 14-point loss ratio improvement in just 6 months. This case study details how they moved from static rules to dynamic, data-driven risk intelligence to boost profitability and market agility.
Download Resource
ePayPolicy
From ePayPolicy
Manual back-office processes can slow you down and cap your MGA's growth. Discover how top MGAs are winning back margins by automating payments and eliminating the costly churn in their cash flow. This guide will help you unlock your true scaling potential.
Download Resource
Fleet Response
From Fleet Response
Managing claims in-house can be costly and inefficient. This guide explores the key benefits of outsourcing claims management and subrogation to reduce costs, streamline operations, and maximize recoveries for your business.
Download Resource
Fleet Response
From Fleet Response
Fleet incidents are more than just operational headaches; they're overlooked value leaks. This paper reveals how a strategic partnership approach to claims, safety, and subrogation can reduce costs and turn disruption into momentum.
Download ResourceFleet Response
From Fleet Response
Human insight remains irreplaceable in claims management, even as automation and AI revolutionize the industry. Explore the critical role of empathy, judgment, and trust in the claims process and the limitations of technology.
Download ResourceSedgwick
From Sedgwick
A new era of property claims is taking shape. Technologies are advancing, risks are becoming more complex and experienced talent is leaving the workforce. This report explores eight pressing trends reshaping the future of loss adjusting and what they mean for property carriers.
Download ResourceWay.com
From Way.com
Discover how embedded roadside assistance can transform customer relationships, provide valuable data insights, and strengthen your brand. This guide reveals the untapped benefits beyond just improving satisfaction and reducing churn.
Download ResourceFleet Response
From Fleet Response
Automotive service operators often pay claims on instinct to keep customers happy, but this costs millions. This report reveals the data behind professional claims management and shows how it drastically reduces unnecessary payouts and cycle times.
Download ResourceSedgwick
From Sedgwick
Catastrophe risks are shifting. Frequent, moderate losses and secondary perils are replacing isolated, high-intensity events. This playbook provides a new game plan for carriers to navigate the 2026 season with confidence.
Download ResourceSedgwick
From Sedgwick
AI is reshaping the property claims experience, but many carriers struggle to scale it effectively. This guide explores how to blend automation with human expertise to reduce cycle times, lower costs, and gain a true competitive advantage.
Download ResourceMoody's
From Moody's
Standard data misses key property risks from severe storms. This white paper reveals how AI-powered insights uncover hidden vulnerabilities, enabling more accurate risk differentiation for profitable growth and smarter underwriting.
Download ResourceMoody's
From Moody's
Traditional underwriting guidelines often miss key property details, leading to mispriced risk in hurricane zones. This white paper shows how AI-powered property intelligence uncovers hidden growth opportunities by providing precise, location-level risk data.
Download ResourceePayPolicy
From ePayPolicy
The insurance industry's reliance on paper checks creates massive operational costs, fraud risks, and payment delays. This guide reveals the true cost of manual processing and how to modernize your receivables to protect your bottom line.
Download ResourceZestyAI
From ZestyAI
Wildfire risk is no longer confined to the West, and structural losses are outpacing acres burned. This report provides P&C insurers with critical insights into this year's wildfire season and the property-level underwriting strategies needed to adapt.
Download ResourceWay.com
From Way.com
The auto insurance industry faces a commoditization crisis. When customers only hear from you at renewal, price becomes the only differentiator. This white paper reveals how to close the engagement gap and build lasting customer loyalty.
Download ResourceePayPolicy
From ePayPolicy
Stuck chasing reports, approvals, and signatures? This checklist outlines six high-impact automation strategies designed to eliminate busywork, reduce operational costs, and free up your team for what matters most: strategic growth.
Download ResourceWay.com
From Way.com
Insurance carriers often struggle with low customer loyalty and satisfaction. This guide explores how embedded benefits create positive, everyday touchpoints, transforming the policyholder relationship and boosting key CX metrics like NPS and CSAT.
Download ResourceWay.com
From Way.com
Customer loyalty in auto insurance is more fragile than ever. This guide provides a new playbook for insurers to build lasting relationships by adding value beyond the policy and turning key moments into trust-building opportunities.
Download ResourceCovenir
From Covenir
As severe weather events surge, claims leaders face immense pressure. This playbook outlines six practical strategies to improve readiness, strengthen operational resilience, and better support policyholders when disaster strikes.
Download ResourceWay.com
From Way.com
Harbor Insurance faced frequent complaints and low usage with their previous roadside provider. By partnering with Way, they transformed their customer experience, increased revenue, and boosted policyholder retention. Download the case study to learn how.
Download ResourceSoteris
From Soteris
In a soft auto market, one P&C insurer cut rates, surged new business volume 2.9x, and improved their loss ratio by 3 points. This case study reveals the AI-powered strategy they used to achieve profitable growth.
Download ResourceSoteris
From Soteris
See how one admitted insurer achieved a 14-point loss ratio improvement in just 6 months. This case study details how they moved from static rules to dynamic, data-driven risk intelligence to boost profitability and market agility.
Download ResourceePayPolicy
From ePayPolicy
Manual back-office processes can slow you down and cap your MGA's growth. Discover how top MGAs are winning back margins by automating payments and eliminating the costly churn in their cash flow. This guide will help you unlock your true scaling potential.
Download ResourceFleet Response
From Fleet Response
Managing claims in-house can be costly and inefficient. This guide explores the key benefits of outsourcing claims management and subrogation to reduce costs, streamline operations, and maximize recoveries for your business.
Download ResourceFleet Response
From Fleet Response
Fleet incidents are more than just operational headaches; they're overlooked value leaks. This paper reveals how a strategic partnership approach to claims, safety, and subrogation can reduce costs and turn disruption into momentum.
Download ResourceFleet Response
From Fleet Response
Human insight remains irreplaceable in claims management, even as automation and AI revolutionize the industry. Explore the critical role of empathy, judgment, and trust in the claims process and the limitations of technology.
Download Resource