Garage Policy and Coverage for Property of Customer May 23, 2011 The insured has a garage coverage form with symbol 27 and 30 to describe covered autos.…

Direct Physical Loss under BOP June 27, 2011 Our insured accidentally threw away some digital x-ray sensors in the trash. Now, they want to be compensated…

Vacancy and Construction, Renovation   The insured purchased a foreclosed home on March 4, 2011 and immediately took out a Non-Owner Occupied…

Business Risk Exclusions Upheld   The insurer filed a motion for summary judgment seeking adjudication that its insurance policy did not provide…

Handling of Property Causes Property Damage July 5, 2011 We have a BAP with symbols 8 and 9 for liability coverages. Our insured hired a company to…

Termination of Coverage Based on Knowledge of Prior Crimes is the Issue This case presents an insurance coverage dispute involving a commercial crime…

Financial Institutions Bond Covers Loss   This insurance coverage dispute arises from a fraudulent scheme perpetrated against First State Bank…

July 2011 Intro Page   Dec Page   The article of the month deals with excess coverage. Understanding excess insurance coverage terms and concepts…

Med Pay Coverage under BOP June 20, 2011 Is the medical payments coverage under a BOP a per occurrence limit or per person limit? Illinois Subscriber…

July 2011 Dec Page Article of the Month   Understanding excess insurance coverage terms and concepts is essential to dealing with the excess insurance…