Explosion Coverage July 9, 2012   Background   Summary: A standard feature of property insurance forms is the coverage for "direct physical…

It Came from Cyber Space   Cyber Liability: Applying Security Protection and CGL   By David Thamann From the June 2012 issue of Claims magazine…

Discusses the earth movement exclusion in both commercial and personal lines policies.

Federal Workers Compensation Endorsements June 21, 2012 Workers Compensation on a National Level Summary: Workers compensation laws and programs are…

Blanket Coverage Discussed—Archived Article 2 September 2005 Advantages and Disadvantages Summary: There are two basic methods of insuring commercial…

Explain the Reason for Coinsurance to Your Insureds—Archived Article December, 2001 Using This Example Will Make It Easy Summary: It is…

Recommending Extended Nonowned Coverage—Archived Article September, 2001 For Company Cars, Rented Autos, Etc. Summary: There are times when…

July 2012 Intro Page   Dec Page   The term "occurrence" appears a number of times in standard liability policies, and disagreement as to its…

Leased Employees   June 20, 2012 Workers Compensation and Liability Exposures Summary: A leased or borrowed employee is defined as one who is…

This article explores the general rules and conditions applying to commercial inland marine coverage under the simplified language program.