Physical Evidence Requirement The insured sought a declaratory judgment that its insurer owed it $141,640 as reimbursement for lost inventory consisting…

Definition of Business March 5, 2012 The insured is a retired music teacher who charges $10 a lesson for thirty minutes of her time. The insured said…

Riggers Liability Coverage Form—Archived Article October 2008 Summary: Rigging contractors, commonly known as "riggers," who lift, set in place,…

UM Coverage for Off-Road Vehicle   The insured sought uninsured motorists (UM) coverage after being injured while using an ATV on a trail. The…

Homeowners Form HO 00 08—Archived ArticleJanuary, 2001Repair Cost or Actual Cash ValueSummary: For many insureds the…

NAMIC Property Casualty ConferenceClaim Arbitration Service January, 1999 Arbitration of Disputes InvolvingAutomobiles and Livestock Summary:…

Known Loss Scenario   The insured sought retroactive insurance coverage for his land after erosion issues between his land and his neighbor's land…

Loading or Unloading Coverage Question February 27, 2012 The insured had unloaded the floor buffer and performed the cleaning operation. The employee…

Carrying Goods for a Fee Exclusion Precludes Coverage for Injured Pedestrians   The liability insurer for a pizza restaurant chain brought an action…

Tenant's Improvements and Betterments Valuation February 20, 2012 If a tenant makes improvements and betterments in a rental office unit, the tenant…