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The Rough Notes Company Inc.

Coverage Concerns

    AND THEN IT WAS GONE

AND THEN IT WAS GONE

Grover leased its building and personal property to Carma to use as a restaurant. Carma vacated the lease and damaged the building while taking the personal property with it. Grover filed a claim with Aspen Insurance for the stolen personal property and the damage to the building. Aspen denied coverage because the property had been entrusted to Carma at the time of the loss. Grover argued that a lease is

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    THE NEIGHBORS JUST COULD NOT HANDLE THE SMELL

THE NEIGHBORS JUST COULD NOT HANDLE THE SMELL

Bible Pork’s neighbors sued them because, in their opinion, the odor produced in the hog factory was a public nuisance. They demanded that Bible stop operations and to provide other relief to the community. Bible turned to Country Mutual for coverage but it was denied on the basis that there was no occurrence and, even if there had been an occurrence, it was excluded under the pollution exclusion. Bible turned

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    A TRAILER PARKED ON THE SIDE OF THE ROAD

A TRAILER PARKED ON THE SIDE OF THE ROAD

Cole Cooper, while riding his motorcycle, struck a trailer that had been left on the side of the road. Cole sued the trailer owner, Rick’s Blacktop & Paving Company, who turned the case over to Grinnell Mutual Reinsurance Company who provided both commercial general liability coverage and business auto coverage for Rick’s. Grinnell refused to provide coverage under either policy. Rick’s challenged the decision and when he didn’t like the

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    NOT EVERYONE IN THE HOME IS AN INSURED

NOT EVERYONE IN THE HOME IS AN INSURED

Malcolm accidentally shot and seriously injured Dwight. The incident occurred in the home of Malcolm’s parents but Malcolm had lived away from the home for many years. However, during the year in which the accident occurred, Malcolm had visited and lived in the house for long periods. When a verdict of $1.3 million was awarded to Dwight because of the injury, Malcolm requested coverage from his parent’s homeowners carrier, Travelers,

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    YOU CAN’T INSURE A BUILDING AFTER THE FIRE HAS STARTED

YOU CAN’T INSURE A BUILDING AFTER THE FIRE HAS STARTED

Construction Contractors Employer Group purchased a policy from Federal Insurance with an effective date of March 23, 2013. In July 2012, prior to starting the application process, Construction had started an investigation because it had been notified of an unexpected lack of funds situation. The investigation was completed in May 2013, at which time the claim was presented.to the new carrier. Federal denied the loss because Construction had discovered the

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