The justices explicitly held that a policy was illusory when the coverage actually afforded by a policy was "extremely minimal and afford[ed] no realistic protection to any group or class of injured persons."

"It is about Allstate's statewide unlawful and fraudulent underwriting practices vis-à-vis modifying its insureds' policies without requisite notice, and ultimately, how these modifications negatively impacted its insureds' rights to recovery," attorney Jason Palker said.

Power outage, spoilage, and related endorsements.

The ISO Power, Heat and Refrigeration Deduction endorsement CP 15 11 can be added to the Business Income (and Extra Expense) Coverage form and the Business Income (Withour Extra Expense) Coverage Form. It removes the costs of power, heat or refrigeration from the coverage.

The justices explicitly held that a policy was illusory when the coverage actually afforded by a policy was "extremely minimal and afford[ed] no realistic protection to any group or class of injured persons."

How are rental cars treated under a Personal Auto Policy, and when should you elect for the Loss Damage Waiver?

In this guest column by board member Bill Wilson, Bill provides an overview of hard markets, looking at hard markets of the past and the current situation.

BP 03 12 01 06 Windstorm Or Hail Percentage Deductibles businessowners endorsement.

Power outage, spoilage, and related endorsements.

When the claim for stolen property doesn't ring true.