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...olic, went out for two shots and a glass of beer on the day of his injury. Lat...ontracts, and deals with employer's liability and other tort liability claims involving workers.

... Plate Glass ... Fire Legal Liability ...

... estimate, and settle a clean auto glass claim before a person ever opens the ... between a defensible program and a liability. Building the Skill Mix, Not ...

... a methodology to convince the adjuster that the insured's/agent's interpretation for coverage is just as valid as the adjuster's initial basis for claim denial. However, sometimes a claim denial arises that defies logic and reason. Here's a Personal Lines example of such a claim that another faculty member passed along recently: An insured who was moving loaded clothes and personal property into her car. She placed a magnifying glass on the leather seat of her car and left it there for a few hours. When she returned, she discovered that the focused sunlight had burned a hole in the seat. The adjuster denied the claim on the premise that it wasn't within the definition of accident' in the policy as a sudden, unexpected, and unintended occurrence. The policy defines a loss' to include direct and accidental ... exclusion in this way would mean that insurers would never have to pay a negligence claim and policyholders' premiums would plummet by at least two-thirds! Everybody wins! We argued that because the insured foresaw that the door could fall on him, it was an act of self-defense, triggering the exception. We also cited the state's bad faith settlement provision that's triggered when a claim isn't paid even though. liability has become reasonably clear. Although we provided 39 pages of authoritative documentation to support coverage, the carrier still refused to pay this $827.69 claim. At that point, the agent turned our file over to the insurance department. Their investigator telephoned the company on April 11. In a letter dated April 12, the insurer's claims manager stated, In the spirit of compromise we will send our insured ...

...quipment, including: Safety glasses, goggles, or face shields for eye p...

...__% _____________% Crime/Fidelity/Glass _____________% _____________% _______...

..._______% ________% Crime/Fidelity/Glass ________% ________% ________% General Liability ________% ________% ________% CPP/...

... Crime, Fidelity, Surety, and Glass General Liability Commercial Package/Businessow...e. Some types of risks may be high-liability exposures and thus surplus lines...

... expect to move the account to a new market, contrast the previous and new carriers' coverages. If your client moves from one of the enhanced BOP programs to what's basically an ISO BOP, there are some significant differences in how coverage, if any, is provided. The same holds true when you move from a BOP to a CPP or vice versa. The ways in which signs, glass, transportation, off-premises coverage, etc. is provided are significant and need to be contrasted. If you move the account to another market, complete a revised coverage summary to go with the policy. Stress that this only a summary — and that the policy should be consulted for specific provisions and contract language. Where coverage differs, have the insured initial acknowledgment that he or she understands the ... and a quick method for senior staff people to review the work output of those under them. These advantages save time and permit you to have your most technically competent people use their time and experience in the best way. Another area that should be discussed with respect to renewals is restrictive endorsements. A case in point is the pollution exclusion, which has evolved from the 1960s versions of the General Liability policies, in three main phases over the years: No contamination or pollution exclusion Accidental contamination or pollution coverage only (no occurrence coverage, with accident generally defined as a sudden and unforeseen event causing damage) Total exclusion on all contamination and pollution Even though most carriers stamped the policy, added cover notes, or otherwise highlighted the fact that coverage was becoming more limited or totally excluded, more ...