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The Rough Notes Company Inc.

Coverage Concerns

    DELIBERATE ACT MAY NOT MATCH CONSEQUENCES!

DELIBERATE ACT MAY NOT MATCH CONSEQUENCES!

The son of homeowners was involved in an argument during a party. The argument ended with the son throwing another into a swimming pool and that person suffering a fractured clavicle. The homeowners were sued but their insurer, claiming that the incident was an intentional act, declined to even defend the lawsuit. The injured party, after settling with the homeowners based on an assignment of their rights, sued the insurer

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    DEBATING THE FUTURE WHILE DELUGED IN THE PRESENT

DEBATING THE FUTURE WHILE DELUGED IN THE PRESENT

Given what it takes to deal with the current pandemic, it may seem premature to be planning how to deal with the next. But that’s happening. Pay attention and weigh in. DEBATING THE FUTURE WHILE DELUGED IN THE PRESENT Reactions to the pandemic will drive what covers agents and brokers will sell going forward By Joseph S. Harrington, CPCU Never before, not following the worst disasters or even during world

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    WAS THE SUPPLIER BOTH CRITICAL AND DIRECT?

WAS THE SUPPLIER BOTH CRITICAL AND DIRECT?

A chemical manufacturer’s operations were interrupted when gas could no longer be delivered by its retail gas supplier. The retailer, in turn, could not make deliveries because of an explosion that halted the operations of its gas producer. The chem manufacturer filed a claim under its contingent business income coverage. It sued its insurer after the claim was rejected. Below is the court’s opinion on whether a valid contractual obligation

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    DISRUPTION WITHOUT DAMAGE

DISRUPTION WITHOUT DAMAGE

Few property insurance policies provide coverage for business interruption resulting from a pandemic. Looking forward, there are two recent developments in insurance coverage that agents and brokers can promote. Learn more. DISRUPTION WITHOUT DAMAGE The new frontier of risk and insurance By Joseph S. Harrington, CPCU How do you address the elephant in the room when everyone is tired of hearing about it? Unless you’ve been hiking alone in a

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    TEXT ME IF YOU CAN!

TEXT ME IF YOU CAN!

A cosmetic surgeon made unauthorized use of a spa’s customer list to send advertisements of its services. One recipient sued the surgeon, claiming violations of two different, federal consumer acts. The surgeon, in turn, asked his insurer for protection under a medical professional liability policy. The claim was denied and the insured asked the courts to intervene. Below is the court’s opinion on whether protection existed for the surgeon’s communication

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