July 2011 Intro Page   Dec Page   The article of the month deals with excess coverage. Understanding excess insurance coverage terms and concepts…

Med Pay Coverage under BOP June 20, 2011 Is the medical payments coverage under a BOP a per occurrence limit or per person limit? Illinois Subscriber…

June 13, 2011 Our client is a paint distributor and he has several employees that are salespersons that visit clients and prospects to place orders…

July 2011 Dec Page Article of the Month   Understanding excess insurance coverage terms and concepts is essential to dealing with the excess insurance…

Property Damage Coverage in Doubt The insured is a homeowners association. It contacted the local village to clear some trees and bushes in a common…

Questions the application of CG 21 67 in a water damage and mold claim situation.

Fire Damage and Coverage under CGL Form and BAP Our insured's employee was driving a semi load of bailed corn stalks from the field to another location…

Intentional Damage not Covered by PAP Under the physical damage section of the personal auto policy, there does not seem to be a specific exclusion…

Work of Insured Causes Property Damage We insure Insulation Systems of Augusta . It was in the  process of insulating duct work. The technician…

Prior Knowledge Clause Prevents Coverage for Embezzlement Losses   The insured accounting firm sued a professional liability insurer, alleging…