The Dec Page for September offers an overview of insurance coverage needs for students studying abroad. Despite the downturn in the economy, many students are packing their bags and heading off for a year's study overseas. Thoughts about insurance coverage are not uppermost in the minds of the students, and probably not in the minds of the parents either. However, there are exposures for possible property losses, liability claims, and health issues that students will face, and facing these issues in a foreign country requires some advance knowledge and planning. The Dec Page article discusses various insurance coverages for students and parents to consider, and also provides Web sites where students and parents can access information and, if desired, purchase insurance coverage.

This article is written by Diane Richardson, a former editor with the FC&S Bulletins. The Dec Page welcomes articles from outside authors. If any of our subscribers would like to submit an article for publication consideration in the monthly Dec Page, please send it to David Thamann, FC&S Managing Editor, at [email protected].

Questions and Answers

Can policy limits be combined for property at two separate locations, insured on two separate policies? See Business Personal Property Loss and Combination of Policy Limits. If an insured uses an older version of a form, do changes made in subsequent additions apply? See Suspension of Operations and Coverage under a Business Income Form.

What types of equipment and triggers of coverage are anticipated by an equipment breakdown coverage form? See Equipment Breakdown Coverage Analysis.

Captive Insurance Companies

This article discusses the formation of captive insurance companies. A chart has been added that includes a listing of all captive domiciles and contact information. See Captive Insurance Companies.

Duty to Defend—State Case Law

This chart explores the insurer's duty to defend in each of the fifty states and Puerto Rico. We discuss the criteria used in triggering the duty to defend, such as the allegations of a complaint, the facts presented, or some combination thereof, as well as reservation of rights letters. See Duty to Defend—State Case Law.

Boatowners Survey Questionnaire and Boatowners Coverage Comparison Chart

The Boatowners Survey provides a checklist that may be used to evaluate the needs of boatowners when buying coverage for watercraft. See Boatowners Survey Questionnaire.

The Boatowners Coverage Comparison Chart examines the property and liability coverages of four different boatowners and yacht owners polices. See Boatowners Coverage Comparison Chart.