Indemnity Versus Pay-on-Behalf of Language In reading umbrella policies, we have found two differing versions of the insuring agreement. One states…

One of my clients, a physician, learned that his office manager had accepted more than $3,000 in personal long-distance phone calls during…

Business Personal Property at Fairs or Exhibitions Q Our insured has a retail store but occasionally will display some of the business personal property…

Businessowners — Sanitized Walls and Replacement Cost Coverage Q Our client owns several commercial rental properties. Each of the buildings…

Garage Liability—Hazard I Q A carrier I represent is writing a garage liability policy Hazard I form on an auto repair shop. This repair shop…

In Panera Bread, LLC v. Industrial Claim Appeals Office of the State of Colorado, No. 05CA1465, 2006 WL 1914162 (July 13, 2006 Colo. App.) a Colorado…

Specialty E&O PlanSeptember, 1997Media/Professional Insurance1. GENERAL DESCRIPTIONMedia/Professional offers, through Gulf Insurance…

Failure to Maintain Insurance May 2007 Language excluding loss from failure of directors and officers or corporations to effect and maintain insurance…

Pollution May 2007 Pollution-liability claims are frequently brought against corporations and, in many instances, against their directors and officers…

Bodily Injury/Personal Injury/Property Damage/Advertising Injury (BI/PD/PD/AI)—Archived Article October 2004 All D&O policies contain exclusions…