Tenant as Coinsured with Landlord   September 17, 2013   The landlord (and his insurer) brought a subrogation action against the tenants for…

Release of Pollutants Brought on Premises by Insured   September 16, 2013   Our insured is a contractor and sprayed a chemical solution in…

Temporary Worker Status Discussed In this appeal to the Court of Appeals of Tennessee, the court had to determine whether an injured worker was an employee…

Updating of Undamaged Septic System September 4, 2013 I have an insured who has suffered covered fire damage to his home. During the course of reconstruction…

Offer to Return Premium not Required as Prerequisite to Policy Rescission   September 3, 2013 The insureds, whose garage was destroyed by fire,…

Failure to Warn Claim Not Covered   August 26, 2013   The insurer filed a declaratory judgment action seeking a declaration that the liability…

Hail Blocking Gutters Not Exception to Commercial Property Limitation August 19, 2013 Our insured carries a CP 10 30, Causes of Loss – Special…

September 2013 Intro Page   Dec Page   The article of the month deals with the issue of a building versus a structure. Property, liability,…

Advertising Injury Claim and Intellectual Property Exclusion   August 19, 2013 The insurer made a motion to dismiss the complaint brought by the…

Coverage Does Not Last Forever   August 13, 2013   A public utility filed a motion seeking indemnification from a contractor for damages for…