January 2012 Dec Page   Article of the Month   Construction and location (that is, access to a fire suppression organization) are two factors…

Coverage Depends on Where Accident Occurs The insured toy manufacturer and distributor brought an action against its insurer seeking a declaration of…

Deductible and Number of Occurrences under Property Policy December 12, 2011 Our insured, a commercial bank, has a foreclosure that is a large vacant…

Stolen Kindle and E-Books December 5, 2011 Has anyone heard of theft coverage for Kindles and the books they may contain at the time of theft? Vermont…

Rented Vehicle as a Temporary Substitute Auto The auto insurer brought an action seeking a declaration that no coverage existed for an accident involving…

Towed Vehicle and the Meaning of Disabled November 28, 2011 The Business Auto Form (BAP) is the policy in question. Our insured driver was arrested…

Executed Contract Language and Additional Insured Coverage A contractor and a subcontractor brought an action against the sub-subcontractor's commercial…

December 2011 Intro Page   Dec Page   The article of the month in the Dec Page pertains to contractual liability exposure. In terms of insurable…

Storm Damage Raises Deductible Questions November 21, 2011 A commercial building sustained wind damage to the roof and interiors as a result of a windstorm.…

Insured Location Meaning Clarified by Court After an injured minor golf cart passenger and her mother brought a negligence action against the insured,…