A commercial insured has been served with benzene exposure lawsuits, with exposure going back to the 1980s. Should the agency put the general liability carrier and excess general liability carrier on notice at the time of first notice of loss? The insured has switched carriers over the decades.
The garage liability carrier is declining to pay for the third-party damage, saying the garage liability policy is excess for any non-owned vehicles and that the customer’s personal auto policy should pay.
An insured’s fence was damaged by wind and the carrier denied the building and personal property coverage claim. However, an endorsement adds coverage for appurtenant buildings or structures.
An insured is listed as a covered individual on the drive other car endorsement of a business auto policy. He rented a vehicle personally and was involved in an accident. The carrier is denying the claim.
Can a claimant in a commercial auto claim require the insured to pay for gas and time spent to drive his damaged auto to a body shop for an estimate?
What can begin as a relatively small issue on a roof can rapidly escalate into a costly property loss and prolonged business interruption for property owners.
How does the unit owner recoup their investment? Does the association pay the market value of the unit to each unit owner?
A restaurant owner rents a building and has a tenant’s policy for contents and liability. A furnace caught fire and the owner says the tenant is responsible for the damage.
Is the accidental damaging of the electrical line faulty workmanship or ordinary negligence? Who is liable?
A homeowner had a loss where the HVAC system’s condensate pump failed due to a mechanical breakdown. The HO3 policy with an equipment breakdown endorsement—form 16016—with a separate $500 deductible appears to indicate the condensate pump and the resulting water damage should be covered under the equipment breakdown endorsement. The insurance carrier says otherwise.
