Pollution Exclusion Held to be Unambiguous The insured brought an action against the insurer seeking a declaration that the insurer had a duty under…

Cohabitating Fiancé November 1, 2010 We denied a burglary claim due to the stolen property belonging to a roomer/tenant and the covered property…

Loaned Vehicle Policy Provides Primary Coverage for Auto Accident This case is an insurance coverage dispute arising out of an auto accident in which…

Unloading of Vehicle is not Direct Physical Loss The insured has a Business Auto Policy with a tractor and a trailer listed on it. The tractor has symbol…

Invasion of Privacy and the TCPA The insured office supply company brought an action seeking a declaration that its insurer had a duty to defend the…

November 2010 Intro Page No. 978 November 1, 2010  Dec Page   The question of the month deals with exclusions on the CGL form that cause many…

Medical Services Differ From Administrative Functions of the Insured Excess and surplus lines insurer, Colony Insurance Company, sued its insured seeking…

November 2010 Dec Page Question of the Month   When a contractor negotiates with another party to perform some work, the contractor may extend…

Damage to Air Conditioner Caused by Power Surge October 11, 2010 We have a coverage question under our HO3 policy. The insured's AC unit condenser was…

Additional Insured and Separate Policy Limits The Minnesota Court of Appeals addressed the issue of whether an additional insured was entitled to…