Accident and Occurrence Synonymous? Accident is not a defined term in the policy. Would it include "occurrence" coverage similar to commercial auto?…

Insurer May Raise Affirmative Defense Despite Late Request for Verification   In Pine Hollow Medical, P.C. v. Global Liberty Ins. Co. of New York,…

Personal Umbrella Liability Insurance June 2007 Usual Features and Provisions Summary: Personal umbrella liability insurance, often confused with…

Agents' Conduct in Connection with Real Estate Mergers Not “Professional Services”   In St. Paul Fire and Marine Ins. Co. v. ERA Oxford…

Intentional Injury Exclusion for Use of Date Rape Drug Not Illusory   Fire Ins. Exchange v. Sullivan, 2009 WL 1477715 (Colo.App.), arose out of…

August 2009 Dec Page Question of the Month   The standard CGL form excludes coverage for property damage to personal property in the care, custody,…

Regulation of Rating Laws-Archived May, 2004 State-By-State Summary Summary: Each state regulates insurers' rates in different ways. Some require…

Field Not Insured Premises under Homeowner’s Policy   In Mason v. Allstate Ins. Co., 2009 WL 1636588 (Ga.App.), Brick and Pam Mason and their…

Liability for Injury on Motor Home Campsite The insured has a motor home which he drives to a rented campsite for a weekend of pleasure. A third party…

States’ Acceptance of Electronic Signatures-Archive November 2006 Most states have adopted a form of the Uniform Electronic Transactions…