Virtual University

A client had car trouble and pulled into a private drive to investigate. The car leaked transmission fluid onto the driveway but the carrier denied coverage for the damage.

A carrier is adding the 1998 version of the ISO form CG 21 44 Limitation to Designated Premises endorsement to all policies on habitational or rental properties with more than one location.

A company has physical locations in eight states and at least five separate workers compensation policies. What issues will having these multiple policies create?

If a client with an HO6 policy leaves his bathtub on and it overflows and damages the unit below, how is the damage covered?

A delivery driver had an accident while running an errand for his employer in his personal auto, but his carrier has denied the claim based on the public or livery exclusion.

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

The tenant’s carrier is declining to pay for a damaged door, saying there is no obligation for the tenant to pay for the building owner’s property.

An insured health care organization with directors & officers and employment practices liability insurance policies asked its agent if sexual harassment was covered on its D&O policy.

A carrier denied a client’s property damage claim because the water was “surface water.” The property had the standard ISO special perils form, as well as coverage on a sublimit for sewer and drain backup.

A client suffered a business income loss due to loss of internet and phone services. The service provider didn’t respond to inquiries for the reason of the loss of services, so the carrier denied the claim because it was unable to confirm the cause of los