Words and terms that have a contractually defined meaning that applies throughout the personal auto policy (PAP) are collected in one section called the “Definitions” section.

Declarations Page (The Dec Page)   June 18, 2018   An Overview Summary: In journalism school, potential reporters are taught that every…

This article discusses replacement cost language under homeowners and dwelling policies.

Discusses when a carrier no longer has a duty to defend.

Questions of Coverage for Certain Named Perils December 5, 2017 Windstorm, Explosion, Riot, Aircraft-Vehicle, Smoke, and Vandalism  IntroductionThe…

Drones, or unmanned aerial systems (UAS), are rapidly gaining the attention of virtually every industry as a means of gaining greater efficiency…

State FAIR Plans  May 26, 2017  State-by-State Summary of Coverages  Summary: FAIR plans were devised as a way to enable residents and businesses…

Good Samaritan Statutes October 19, 2016 Chart Presents State-by-State Policy with Statutory References   This chart presents the Good Samaritan…

Provides a state-by-state breakdown of case law or statutes that address the status of the classification system for premises liability.

Background and comprehensive information on the topic of reinsurance.