ABORTION AND CIVIL LIABILITY Will insurers be caught in the middle? Regarding abortion, some states have enacted laws allowing individuals to sue people who have had a role in aiding, abetting, or providing an abortion. By Joseph S. Harrington, CPCU It’s easy to see why health and medical liability insurers are affected by the U.S. Supreme Court’s decision to overturn the ruling in Roe v. Wade. But why would homeowners
Coverage Concerns
FORGOTTEN BUT IMPORTANT CGL POLICY CONDITIONS Nine conditions that can sometimes have profound implications Insurance policy conditions may not be sexy or flashy, but they do contain important provisions that impact the way the contract will respond to real claims against the insured. By Paul Martin, CPCU The Commercial General Liability (CGL) Coverage Form published by the Insurance Services Office and used by countless insurance companies to provide liability protection
COMMON LAW, COMMON SENSE, COMMON MEANINGS Should insurers cover the costs of avoiding a covered loss? At issue in the Ken’s Foods case is a question of immediate interest to every agent and broker: Must an insurer compensate an insured for costs it incurs to prevent an imminent loss that could result in much greater costs? By Joseph S. Harrington, CPCU Ken’s Foods is not winning friends within the federal
TRANSPORTATION NETWORK AUTO ENDORSEMENTS Coverage varies greatly among proprietary carrier endorsements [R]esearch your carriers’ ride sharing coverage offerings and summarize them in an easy-to-read format that you and your team can quickly reference. By Marc McNulty, CIC, CRM Way back in 2016, in a previous “Mind the Gap” installment, we first reviewed Uber- and Lyft-related coverage gaps in the personal auto policy. Two ISO endorsements (PP 23 45 and
A GOOD DEED GOES UNREWARDED The Louisiana Supreme Court reminds us that auto insurance may not follow the insured Dissents in the case were sizzling, with one justice writing that “the ruling in this case has far-reaching effects of which few, if anyone, would be aware, By Joseph S. Harrington, CPCU If you offer to drive a friend home in his or her car after he or she has been
