Emerging Risks


July 26, 2008

Business Auto Coverage for Employee's Auto? Our insured owns a van that was parked in a garage on our insured's business premises. An employee of our…

July 26, 2008

Our insured, an auto dealer, purchased a used vehicle and then sold it. The buyer drove the car for several years, and when he attempted to trade…

July 26, 2008

Discusses permanently attached equipment under the BAP.

July 25, 2008

Mobile Equipment used in Stunting Activity? We insure a non-profit organization that uses miniature vehicles in parades and other promotional activities.…

July 25, 2008

Occurrence as Defined under CGL Form Q My client is a property manager. A lead paint claim was paid under the client's policy in the amount of $375,000.…

July 25, 2008

Other Insurance Clause and the Additional Insured Q Our insured, Company X Electronics, Inc., was named as an additional insured on another party's…

July 25, 2008

Is there coverage under the CGL for testing for suspected exposure to illness?

July 25, 2008

Med Pay for Off-Premises Consumption of Food Medical payments coverage is specifically excluded under the CGL form for food consumed off-premises. How…

July 25, 2008

Loading or Unloading Coverage Gap Under the CGL Form Q It has come to our attention that many of our clients may have less coverage than they think…

July 25, 2008

Occurrence or PD When Customer Credit Card is Stolen by Employee? Our insured's employee stole a credit card belonging to a customer. The employee…