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The Rough Notes Company Inc.

Coverage Concerns

    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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    WHEN MULCH IS MUCH MORE!

WHEN MULCH IS MUCH MORE!

A company that operated as a pallet manufacturer and a recycler suffered damage to outdoor mulch piles that smoldered and then caught fire in several areas. After disputing whether coverage was owed to the incidents, a lower court ruled that two of the applicable policy’s limits must respond to the loss. The insurer opted for a higher opinion. Here is how the courts ruled. Indiana Lumbermens lost a summary judgment

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    MERGING TRAFFIC

MERGING TRAFFIC

According to a 2019 report, 33 states have laws defining electric bicycles. The remaining states categorize them as “motorized bicycles” or mopeds. For insurance purposes, are they bicycles or not? MERGING TRAFFIC Bicycles, e-scooters, and e-bicycles combine to create confusion By Joseph S. Harrington, CPCU For decades, personal lines insurers and agents, along with the general public, have operated under a common set of understandings about how people are covered

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    A TRAGIC BUT ORDINARY MISTAKE

A TRAGIC BUT ORDINARY MISTAKE

A tragic but ordinary mistake A family sued and won a nearly million-dollar judgment from the hospital where their daughter committed suicide after being admitted for psychiatric observation. The daughter gained access to a window from which she jumped to her death. One of the hospital’s insurers, which provided general liability coverage, denied the claim. It argued that the daughter’s act involved a professional error which was excluded under its

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    PREJUDICE AGAINST INSURERS?

PREJUDICE AGAINST INSURERS?

A recent California Supreme Court ruling is being hailed by policyholder advocates as potentially extending implementation of the actual prejudice rule further. How might that affect you and your clients? PREJUDICE AGAINST INSURERS? Expanded application of the “actual prejudice” rule benefits insureds—if they don’t get complacent Even where the actual prejudice rule appears to be firmly established, judges who believe an insured was grossly negligent in failing to provide timely

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