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 agency frequently insures rental properties where the ownership structure is not straightforward. How much guidance should the agent give on how the named insureds should be listed?
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?
If an agent in New York no longer represents a carrier, how long does the carrier need to remain on the customer’s risk for auto, home and umbrella?
How does the unit owner recoup their investment? Does the association pay the market value of the unit to each unit owner?
A used car dealer purchased a pickup truck with a falsified title. The truck had been previously totaled. The customer is being prosecuted, but the car dealer wants to file a claim.
What wording should an agency use in the Description of Operations field? Should an agency include additional insured status and waiver of subrogation by default, or only when the insured asks?
