December 2010 Dec Page Question of the Month   Property coverage forms commonly contain exclusions for loss caused by governmental destruction,…

Son Living in Other Structure a Member of the Household? November 7, 2010 I have a question on an HO 00 08 04 91. The insured's forty-two-year-old son…

November 7, 2010The insured signed a merchant service agreement with ABC, Inc. for check verification and check conversion services.A processing…

Material Misrepresentation by Insured Voids Medical Malpractice Coverage The medical malpractice insurer sought a rescission of its insured physician's…

Extended Period Provision and Coinsurance November 29, 2010 Is the extended period calculation subject to the coinsurance provision of a commercial…

Patent Infringement and Advertising Injury Insureds brought an action against their insurers seeking a declaratory judgment that the insurers were obligated…

A question of determining value of a claim when it takes a long time to settle and values change.

Insuring Hired and Borrowed Autos November 16, 2010 Under Business Auto Coverage Form Summary: Most organizations have a need…

Duty to Defend and Advertising Injury The insured sued its liability insurer seeking declaratory relief and to recover reasonable costs of its defense…

Pollution Liability and Product Damage November 15, 2010 The insured sold a container with bleach to customer. While the customer was transporting the…