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The Rough Notes Company Inc.

Court Decisions

When stopgap provisions collide

When stopgap provisions collide In 2012 Kimes Steel, Inc., purchased two policies from First Mercury Insurance Company, a surplus lines carrier. A commercial general liability policy had a combined single limit of $1 million and employers liability (per accident); an excess policy had a limit of $5 million. The CGL policy contained a standard exclusion for employers liability for injuries to employees. The standard exclusion was modified by an endorsement

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In UIM dispute, sauce for the goose is sauce for the gander

In UIM dispute, sauce for the goose is sauce for the gander Jody and Kevin Streff were insured under a motor vehicle liability policy with State Farm Mutual Automobile Insurance Company and an umbrella policy with State Farm Fire and Casualty Company. Both policies provided underinsured motorists coverage, and both excluded coverage for accidents caused by government vehicles. In addition to the basic UIM limits in their motor vehicle liability

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Injured employee invokes personal comfort doctrine

Injured employee invokes personal comfort doctrine Katherine Mandes, who was employed by Liberty Mutual Insurance Company as a nurse case manager, used her paid 15-minute break to take a walk around the building with coworkers. As she returned to the building she tripped and fell on an uneven sidewalk adjacent to the company parking lot and sustained multiple injuries. Mandes filed a claim for workers compensation benefits, and her employer

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Does CGL cover on-the-job injury?

Does CGL cover on-the-job injury? Howard Tyson was employed part time by Hank Rowe d/b/a Shellmar Tree Service. Shellmar had a commercial general liability policy with Scottsdale Indemnity Company. On September 11, 2014, Rowe and Tyson, along with other workers, traveled to Sea Island in Shellmar trucks to remove several trees and tree debris from the yard of a house under construction. Tyson’s job was to help remove limbs and debris

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Tough nut: Resolving a workers compensation lien

Tough nut: Resolving a workers compensation lien Victor Leija was a window washer. He plunged three stories to his death when a scaffold he was trying to erect atop a three-story building collapsed and fell to the ground. His employer’s workers compensation carrier, Twin City Fire Insurance Company, accepted the claim and paid monthly benefits of $1,857 to Leija’s widow and children. Over time those payments will total some $575,000.

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