Coverage for multiple insureds when business income loss occurs.

January 2011 Intro Page   Dec Page   The question of the month deals with workers compensation. In order to protect employees of small operations,…

January 2011 Dec Page Question of the Month   In order to protect employees of small operations, the workers compensation laws of a majority of…

Drywall Behind Paneling December 14, 2010 I am handling a fire claim in which there was fire-taped drywall behind the paneling. The insurance company…

Property Damage Occurs when it Manifests Itself The United States District Court in Florida ruled on a coverage dispute centering around when property…

Is injury of patient during transportation from ambulance covered?

Employer's Liability Exclusion and Injury to Child of Employee The claimant in this situation is the child of an employee of our insured. She was injured…

Employee Definition and Interns Under the ISO business auto policy, is an intern for a college or school administration considered an employee of the…

Odor as a Physical Damage Loss Our insured has a business auto policy. He mistakenly left a vacuum sealed frozen chicken in the vehicle for approximately…

BOP Coverage and Property Damage Exclusions We insure a distributor of metal brushes. The insured mistakenly sent a customer nickel coated brushes instead…