An overview of policy language and court cases surrounding the issue of who exactly is a resident relative. Topics include the status of household members, the effect of divorce or separation, children, guests, and nonrelatives.

A discussion of the doctrines of concurrent causation and efficient proximate cause, including important historical court cases.

This article reviews when additional insured endorsements should be added to a policy and why.

An overview of how to navigate through FC&S.

An overview of the issues surrounding whether or not insurers are required to replace undamaged property in partial losses when the replacement property does not match the undamaged areas.

This article outlines what Delaware SB 21 means for directors and officers.

This article explores the nature of cancellation provisions in commercial umbrella liability policies, provides examples of different provisions, including short-rate cancellation, and highlights potential pitfalls.

This article explores the impaired property exclusion in commercial umbrella liability policies, its purpose, variations in wording, scope, and real-world implications, providing examples to illustrate its application.

This article explores why an umbrella is policy is so indispensable, detailing its coverage, providing real-world examples of claims, and offering practical guidance on determining appropriate policy limits.

This article explores the significance of this definition, traces its historical development, provides guidance on comparing definitions, highlights the impact of policy exclusions, discusses the wrongful act definition under optional Side-A coverage, and reviews relevant legal cases.