November 2015 Intro Page   Dec Page   The article of the month deals with the alternate employer endorsement to the workers comp policy. To…

Discusses ordinance or law provisions in conjunction with policy language for loss settlement.

Loss Payable Clause versus Lender's Loss Payable Clause November 2, 2015 What are the practical differences between a loss payable clause and a lender's…

State partks and coverage from the homeowners policy when you're staying in the park.

Person Living in Unit over Barn October 26, 2015 I have a standard HO-3 on this risk; the insured is in horse country and has a barn with a living unit…

Snowmobile Endorsement  June 1, 2005  Adapts Personal Auto Policy  Summary: Under current personal auto rules and forms, privately owned snowmobiles…

Legal Duty of Claims Adjuster   October 26, 2015   The insurer brought an action seeking a declaratory judgment that it had no duty to indemnify…

Determining Cause of Loss October 26, 2015 A hole was discovered in a client's pool super structure. They have an all risk policy. The insured believed…

Businessowners Liability   October 26, 2015 Comparable to CGL Form   Summary: Under the Insurance Services Office (ISO) Businessowners program,…