Insurance policies abound with the use of the phrase arising out of. Some policies provide coverage for injuries and damage that arise out of a certain event; other policies exclude coverage for injuries and damages that arise out of a certain event.

Most if not all liability insurance policies have clauses dealing with supplementary payments: the standard Business Auto policy (BAP), Personal Auto policy (PAP), and General Liability policy all contain supplementary payments sections.

Supplementary clauses in liability policies frequently identify who pays for which expenses

When a pregnant employee is injured at work, her fetus is harmed in the process. So what happens next for Mom, baby and employer?

A pregnant employee is injured at work, with the fetus harmed in the process. What happens next?

A pregnant employee is injured at work, with the fetus harmed in the process. What happens next?

Every now and again there are reports of groups becoming ill after eating something, whether it be hamburgers, chicken or certain fruits or vegetables. The foodborne illness usually affects multiple people in multiple areas, even when the contamination comes from one source. Such illnesses can then lead to multiple injury...

When foodborne illness strikes, an insurer must decide whether to address the ensuing claims as one occurrence or multiple.