Wind or Hail Percentage Deductible Calculations May 14, 2012 Our insured has commercial property coverage for three buildings at one location in Florida…

June 2012 Dec Page Article of the Month   It was not long after the introduction of liability coverage on an occurrence basis that the problem…

Intellectual Property Rights Exclusion and Trademark Infringement Action   The insured corporation brought an action against the business liability…

Coinsurance An Explanation for Insureds Summary: Those who work inside the insurance industry often have difficulty understanding and explaining…

Stolen Computer and Program May 10, 2012   Our insured's computer was stolen. She replaced the computer with a similar computer. The replacement…

Social Hosts Liability and Homeowners Motor Vehicle Exclusion   The insurer brought an action seeking a declaration regarding its obligations to…

TCPA Claims in Illinois   The insured was sued in a class action lawsuit for violation of the Telephone Consumer Protection Act (TCPA). In a matter…

Valued Policy Laws—Their Effect on the Agent April 12, 2012 Their Effect on the Agent Summary: If an agent is writing property insurance in…

May 2012 Intro Page   Dec Page:   The article of the month deals with business income coverage. Insurance protection for loss of business…

May 2012 Dec Page Article of the Month Insurance protection for loss of business earnings due to physical damage has undergone a gradual but steady…