A senior living condo community in Florida with a homeowners association (HOA) increased its hurricane deductible to 5% and passed the deductible back to the individual owners, who are now responsible for the roofs.
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.
A rental dwelling experienced extensive damage by the tenant that the landlords found after the tenant was evicted for not paying rent.
Is it best practice to ensure that the personal umbrella policy effective date aligns with the date on the homeowners policy, personal auto policy or any other underlying coverage?
Why would premium be charged on values that exceed the limit of coverage?
The experts weigh in on resources for developing a general checklist of questions to ask commercial applicants.
Employees dropped and damaged a couch when moving it between buildings. The carrier says that the couch is not covered under the motor truck cargo policy once it has left the truck.
A golfer’s ball broke a window in a house on a golf course. The golfer, who submitted a claim under his personal policy, was denied coverage due to “the hazards of living on a golf course.” Is the golfer legally liable?
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.
After an insured was stung or bit by an insect, blacked out and crashed into a tree, the carrier says there is no coverage as the insured is not legally liable for the loss.
