Theft of Keys—Auto or Homeowners Coverage?
Theft of Keys—Auto or Homeowners Coverage?QOur insured had a set of keys stolen from his house and included in that set was the key…
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Unscheduled Trailer as Cause of Accident
Unscheduled Trailer as Cause of Accident December 11, 2012 We issued the Business Auto Coverage Form, CA 00 01 10 01, with Symbols 7, 8, and 9 for liability…
Read Full ArticleGenerator as Other Structure
Generator as Other Structure July 27, 2015 We recently had a storm where an insured is claiming his commercial grade generator which is outside of his…
Read Full ArticleAI and Autonomous Technologies: New Liability Challenges for Umbrella and Excess Liability Coverage in 2026
Artificial intelligence and autonomous technologies are rapidly changing liability risks, with traditional insurance policies struggling to cover these new exposures. Insurers are responding with new exclusions and specialized products, and policyholders must review their coverage, consult insurers about dedicated AI solutions, and negotiate endorsements for emerging risks.
Read Full ArticleDarwin DRWN D3000 (06-05) Policy Summary Comparison Worksheet
Darwin DRWN D3000, June 2005 edition.
Read Full ArticleKansas General Insurance Company Form BMT 546, Commercial Umbrella Liability
Kansas General Insurance Company Form BMT 546, Commercial Umbrella Liability, March 1990 Edition
Read Full ArticleCourt Finds Dispute of Material Fact Over Strict or Substantial Compliance
The insurer wanted strict compliance from the policyholder, but state law only required substantial compliance.
Read Full ArticleEditors' Favorite Commercial Questions 2023
A collection of favorite commercial lines questions selected by the editors for 2023.
Read Full Article2nd Circuit: Pandemic 'Created Circumstances Beyond Parties' Reasonable Control' Under Force Majeure Clause
The U.S. Court of Appeals for the Second Circuit upheld a district court's ruling granting a defendant auctioneer's motion to dismiss, finding the COVID-19 pandemic created "a circumstance beyond the parties' reasonable control" as outlined in the force majeure clause of an agreement for the sale of a painting.
Read Full ArticleAuto Insurance—Primary vs. Excess Coverage
Primary vs. Excess Coverage under Auto Policy We have a question on the primacy of coverage between auto policies of rental car vendors and our insureds.…
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