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The Rough Notes Company Inc.

Coverage Concerns

    HOME, SWEET CYBER HOME

HOME, SWEET CYBER HOME

Personal cyber insurance constitutes a substantial step up from identity theft coverage in that it addresses a range of first- and third-party exposures. What else is different in the personal cyber arena? HOME, SWEET CYBER HOME Personal cyber insurance is becoming a component of household coverage By Joseph S. Harrington, CPCU Cyber insurance has had an interesting evolution, and that evolution continues—right into our homes. It seems like only yesterday

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    OPPORTUNITIES OR BURDENS? BOTH

OPPORTUNITIES OR BURDENS? BOTH

Management liability or directors and officers (D&O) exposure was long viewed as a concern exclusively for leaders of publicly held corporations. That’s no longer the case. Producers need to respond. OPPORTUNITIES OR BURDENS? BOTH Small commercial accounts could use, but may not welcome, management liability insurance By Joseph S. Harrington, CPCU “Liability goes where the money is,” says Kenneth S. Abraham, a professor of law at the University of Virginia

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    STOLEN CARGO, YES, BUT DOES THAT MEAN IT’S COVERED?

STOLEN CARGO, YES, BUT DOES THAT MEAN IT’S COVERED?

STOLEN CARGO, YES, BUT DOES THAT MEAN IT’S COVERED? Truck cargo was insured under a Transportation Policy when a theft occurred. The cargo owner expected coverage; however, the insurer disagreed. It held that its policy was not obligated to pay as the loss details did not qualify for coverage. The cargo owner sued for coverage. Here is how a court addressed whether the situation was an eligible claim. Editor’s note:

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    NO ONE MEANT TO CAUSE A CRASH!

NO ONE MEANT TO CAUSE A CRASH!

No One Meant To Cause A Crash! A plumbing company’s employee was driving a company-owned truck while intoxicated and caused a collision that injured another party. That party sued and was awarded compensation plus punitive damages. The plumbing company’s insurer refused to pay the punitive portion of the award. It disputed whether the obligation involved an “accident.” Read here to see how a court viewed the dispute. Carlos Xavier Sanchez

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    SPECIAL DELIVERY

SPECIAL DELIVERY

For the commercial carrier insuring an account, platform-enabled delivery raises several exposure-related concerns not shared by personal auto writers dealing with ridesharing. A number of questions remain unanswered. Learn more. SPECIAL DELIVERY “Platform-enabled delivery” creates new complexity for auto and GL coverage By Joseph S. Harrington, CPCU Okay, now that we’ve figured out how to insure “ridesharing” under a personal auto policy, it should be simple to extend coverage to

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