November 2011 Dec Page   Article of the Month   The standard commercial crime policy does not cover loss, or that part of any loss, the proof…

That Particular Part The District Court of Appeal of Florida , Fourth District, ruled on a dispute centering on the phrase "that particular part". This…

Occupancy and Utilities October 24, 2011 We are working a claim in which the home was still being occupied but the insured had the utilities off for…

Bacterial Contamination and the Pollution Exclusion in the CGL Form An action for declaratory relief was the derivative of a state court action brought…

Water Damage Claim to Interior of Building October 10, 2011 Insured alleges that during Hurricane Irene, contents sustained water damage due to roof…

Exclusion Bars Coverage for Underinsured Motorist Injury Claim The Superior Court of Pennsylvania had to construe the household exclusion in an auto…

Global Warming Claims Are Not Occurrences   The general liability insurer for a generator/distributor of electricity brought an action seeking…

Damage to Garage Door October 3, 2011 Our insured has a HO4 tenant form. He had opened the garage door and left the trunk lid of the van up because…

Coverage Territory under the BAP September 26, 2011 I have an insured that that will transport a vehicle from Puerto Rico to the mainland United States…

In Allen v. State Farm Mut. Auto Ins. Co., No. 253015, 2005 WL 2438520 (Mich. App. Oct. 4, 2005), a Michigan appeals court ruled that the joyriding…