Technical Knowledge

A mound system drain field failed, but the carrier denied the claim because piping wasn’t damaged.

After a fatal accident in which the victim was hit by an underinsured driver while driving an unlisted tractor, the carrier says uninsured/underinsured motorist coverage does not apply.

To grant a permit for a driveway, the county is requiring the property owners to add the county as an additional insured, which the carrier won’t do.

Here’s how to explain to a client when a fellow employee endorsement would be triggered.

Does a host liquor liability coverage amendment in a business owners policy respond when the insured pays for a hosted bar at regular events?

An insured’s client keeps rejecting certificates of insurance (COIs), stating they need to apply additional insured status to all persons or “indemnified parties” instead of limiting that status to persons with whom the parties have a contract.

Why would premium be charged on values that exceed the limit of coverage?

An insured with a business auto policy rents a warehouse he’s not contractually obligated to insure. While backing out, he hit the building, and the carrier is denying coverage.

How are defense costs handled in this scenario? Is the insured responsible for these costs?

How should the agency respond? And how can agencies curb the trend of COI requests becoming more and more onerous?