August 2012 Dec Page   Article of the Month   Warehouse Operators Legal Liability insurance is not as specialized as it was in the past. Both…

Second Claim Occurs Before First Claim Repairs Completed July 10, 2012   This is in reference to a non-owner occupied (rental) property. The insured…

It Came from Cyber Space   Cyber Liability: Applying Security Protection and CGL   By David Thamann From the June 2012 issue of Claims magazine…

Storage Fees under Garage Coverage July 2, 2012 Our insured was doing mechanical work on a customer's car and the employee took the vehicle out for…

The insured sued its real property insurer seeking coverage for both the costs of repairing a damaged building and for the building's post-repair diminution…

Discusses the earth movement exclusion in both commercial and personal lines policies.

Return of Unearned Premium June 25, 2012 My question is related to return of unearned premium following payment of policy limits after a total loss.…

Pollution Exclusion and the Commercial Auto Liability Policy   The plaintiff appeals from an order granting summary judgment to the defendant that…

July 2012 Intro Page   Dec Page   The term "occurrence" appears a number of times in standard liability policies, and disagreement as to its…

Coverage for a Rented Houseboat June 19, 2012 The insured has a HO-3 policy and is going on a trip and renting a house boat. If the insured was liable…