October 2008 Intro Page No. 953 October 1, 2008  Dec Page   The question of the month deals with employment practices liability coverage.…

Deceased Insured and Coverage for Remaining Property Our named insured passed away in November 2007. The house remains unoccupied. In late December…

Medications Considered to be Personal Property? Would you consider personal medication part of personal property coverage? West Virginia Subscriber…

October 2008 Dec Page Question of the Month   Employment practices liability claims arise when employees (and former employees) file actions against…

Homeowners Co-insurance Penalty Under an HO-3 open peril policy, is cleaning of the dwelling after a partial loss subject to the underinsurance penalty…

Downspouts, drains, and surface water.

Fungi Endorsement Application I have a mold claim on a form 3 homeowner policy. They have the fungi coverage endorsement. The endorsement states we…

Homeowners Pollution ExclusionsThe ISO and AAIS FormsSeptember 2008Summary: The first party property pollution exclusion found in the…

Dec Page April Question of the Month Workers compensation is usually thought of as a compensation system for employees who are injured in the course…

Dec Page June Question of the Month Many times the issue of the insurability of punitive damages comes before a court. The answer to the question of…