August 2013 Dec Page   Article of the Month   The self-insured retention (SIR) is a concept that is widely used and often misunderstood by…

Volunteer Workers and Tips July 15, 2013 We insure a seasonal condo association consisting of 20 individual units under CGL Form 00 01 12 07. During…

Business Use Exclusion Bars Coverage July 15, 2013 A motorist injured in a collision sued the insurer under a commercial auto policy. This case is Forkwar…

Duties of Appraisers July 9, 2013 I am an Independent Adjuster assigned to represent a carrier as a competent, impartial appraiser on a homeowners claim.…

Conversion or Misappropriation of Funds Exclusion under Professional Liability Policy   July 8, 2013 The insurer sued its insured under a professional…

Race Discrimination Claim not an Occurrence   April 15, 2013   Five African-American men alleged they were refused entry into the insured's…

Nesting and Infestation Exclusion July 1, 2013   Woodpeckers are pecking at the insured's outdoor electrical components, which are located in a…

Sole Owner and Member as an Employee   July 1, 2013 The insured under a commercial garage liability policy brought an action against the insurer,…

Buyer with Control of Vehicle Deemed Owner for Insurance Purposes In Fairmont Specialty v. Estate of Hoohuli, 2009 WL 2252236 (D.Hawaii), defendant…

November 2009 Intro Page No. 966 November 2, 2009 Dec Page: The question of the month deals with what goes into the process of forming a captive insurance…