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... never seen or played with this toy, you'll never appreciate the challenge...

...out it. Jigsaw puzzles are timeless toys and tools. We’ve all done them....te? The reality is that as a game or a toy, nothing’s changed. As a busi...

...ce, Jags, BMWs, and other expensive toys. Vandalism occurred over the weekend,...

.... Walter brought a suit against the toy maker, yet despite the similarity of n...

... we decided on a popular children’s toy: a talking teddy bear that could be re...

... ), otherwise covered would have no coverage if it had been used even once in the past to service a neighbor's premises. The policy now states that there is coverage for a motor vehicle "used solely to service a residence" (and not the "insured's" premises only) . • &# 160Toy Vehicle Provision There was concern that the previous policy provided no liability coverage off premises for toy vehicles designed for use by small children. The policy now states that the motor vehicle exclusion does not apply off premises for a vehicle "designed as a toy vehicle for use by children under seven years of age, powered by one or more batteries and not built or modified after manufacture to exceed a speed of five miles per hour on level ground" . So, thankfully, now extends ... to these toys - unless Dad "soups it up" to go more than five miles per hour! • &# 160Expected or Intended Injury The exclusion for Expected or Intended injury in the previous policy has an exception which states that the exclusion does not apply to "bodily injury" resulting from the use of reasonable force by an "insured" to protect persons or property. The exception now includes coverage not only for "bodily injury" in such a case, but "property damage" as well. • &# 160Controlled Substance The liability exclusion for loss resulting from the use, sale, manufacture, delivery, transfer, or possession of a controlled substance had an exception for the legitimate use of prescription drugs by a person following the orders of a licensed "physician" . Recognizing ...

... next few weeks) . Finding for the plaintiff. Case No.2: Failure to Obtain Any Coverage The insured requested the agency to obtain coverage that would pay first dollar claims to his clients in the event their property was damaged through theft or vandalism. He was willing to pay the higher price since he was in the business of servicing Mercedes, Rolls Royce, Jags, BMWs, and other expensive toys. Vandalism occurred over the weekend, and the insured was forced to spend thousand of dollars repairing 11 vehicles left in his care. Primary garage keepers was not in place to respond, but you can guess what was: the agency E&O policy. Failure to obtain any coverage represents 20% of the claims logged by E&O carriers. The cases just cited demonstrate the need ... Proper Coverage To maintain his business relationships with clients, the insured required general liability and other coverages. A certificate of insurance was issued indicating that the insured had all the proper coverages to meet the standards of contracts required by the client. The client, a general contractor, reported a loss arising from the work of the insured. The loss resulted in discontinuation of underground utility service to a major manufacturing plant. The insured, a swimming pool subcontractor, did not have coverage for the underground property damage. The insurance carrier for the general contractor responded to the loss, and then subrogated against the pool contractor. Finding for the plaintiff-who subsequently found another insurance-related resource: his agent's E&O policy. These cases continue to occur, and the failure to obtain the proper coverage represents over 50 ...