June 2016 Dec Page   Article of the Month   Public policy against allowing a wrong-doer to profit from his own wrongful act precludes an insured…

Customers' Flooring under the Building and Personal Property Coverage Form May 30, 2016 We insure a flooring company that will store flooring in their…

June 2016 Intro Page   Dec Page   The article of the month deals with the issue of recovery by innocent coinsureds after an arson has occurred.…

Asbestos Abatement Exposures  May 30, 2016  An Insured Could Face Legal Liability  Currently 132,000 primary and secondary schools contain some…

One Accident versus Multiple Accidents State Farm Mutual Automobile Insurance Company sought a judgment declaring that several collisions constituted…

Waste from Dogs Left Alone May 23, 2016 The landlord owns a home insured on a DP-3. The tenant dies off premises, leaving two dogs inside, unknown…

This case deals with proximate when two unrelated acts, one excluded and one not, are involved as the cause of loss.

Fraud of the Week May 23, 2016 Agent Fraud—Florida Amount: $1,000,000+   A Florida agent has been tried and convicted of stealing more than…

Duty to Defend—State Case Law   May 16, 2016 A State-by-State Summary   Summary: We noted in another discussion (see Duty to Defend…

Efficient proximate cause and anti-concurrent causation language are only part of the coverage problems confronted after a hurricane loss.