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Coverage Concerns

    YOUR CLIENTS BOUGHT THEIR FIRST GUN. OR IS IT THEIR FIFTH? SHOULD YOU CARE?

YOUR CLIENTS BOUGHT THEIR FIRST GUN. OR IS IT THEIR FIFTH? SHOULD YOU CARE?

In the wake of the COVID-19 pandemic and civil unrest over policing, Americans are buying firearms at record levels, in many cases their first. As an agent or broker, should you care? YOUR CLIENTS BOUGHT THEIR FIRST GUN. OR IS IT THEIR FIFTH? SHOULD YOU CARE? The risk of loss with firearms is remote but real By Joseph S. Harrington, CPCU In the wake of the COVID-19 pandemic and civil

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    DEPENDENT STATUS DETERMINED COVERAGE STATUS

DEPENDENT STATUS DETERMINED COVERAGE STATUS

DEPENDENT STATUS DETERMINED COVERAGE STATUS An auto owner was insured under a personal automobile and a personal umbrella policy from the same insurer. The auto policy’s limit was exhausted, responding to the claim where a person, given permission by the vehicle owner to use the car, struck several persons on the side of a roadway. The injured parties sought coverage under the umbrella and the insurer filed for a declaratory

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    BAD TIME FOR SWINE

BAD TIME FOR SWINE

Dig a Little Deeper By Dawn Jackson, AU, AINS BAD TIME FOR SWINE Is the culprit wind or virus? The Court Decisions column is one of the most popular parts of Rough Notes magazine. One reason for this is that the courtroom is where the promises made in an insurance contract often become real. All insurance professionals can develop “what if” scenarios but until those scenarios are tested with an

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    SMALL BUSINESS AND INDEPENDENT AGENTS

SMALL BUSINESS AND INDEPENDENT AGENTS

Today, there are more types of coverage for more types of risk. When choosing the right protection, small businesses find there’s no substitute for the advice of a licensed, experienced insurance counselor. SMALL BUSINESS AND INDEPENDENT AGENTS Indispensable coverage partners after all these years By Joseph S. Harrington, CPCU Blog postings are supposed to be original thoughts, but sometimes there’s no better way to say something than how it was

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    ADDITIONAL INSURED SOUGHT COVERAGE FOR FAULTY WORK

ADDITIONAL INSURED SOUGHT COVERAGE FOR FAULTY WORK

ADDITIONAL INSURED SOUGHT COVERAGE FOR FAULTY WORK A general contractor was added to a general liability policy that covered a sub-contractor it hired to perform roofing work for a theater that was part of a theater and mall complex. The roof developed serious leaks and the general contractor was obligated to redo the work. The general contractor sued the sub’s insurer when its attempt to recover the cost of the

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