Cases discussed this month include one involving post-traumatic stress disorders and whether or not that is bodily injury, how the use of a premises can lead to a duty to defend, and a case highlighting the importance of the difference between occurrence and claims-made policies.

Questions and Answers

How can a bank cover its interest in a condo unit owner's mortgage? See Bank Added to Condo Association Policy as Loss Payee. Are a dentist's chairs and x-ray machines considered building property or business personal property? See Building Property versus Business Personal Property. Is a business license business personal property? See Business License Claimed to Be Business Personal Property.

Should the vacancy penalty apply to a sprinkler leakage loss when the insured attempted to maintain heat? See Vacancy Penalty at Center of Coverage Dispute.

ISO Dwelling Program

An update has been made to the ISO Dwelling Program article, which documents the evolution of the ISO Dwelling Program, including property form overview and eligibility.

See ISO Dwelling Program.

Workers Compensation and Employed Minors

This article discusses general laws governing both legally and illegally employed minors with regard to workers compensation.

See Workers Compensation and Employed Minors.

The Status of Data Breach Notification Laws in the United States

This article discusses data breach notification laws on a state-by-state basis and addresses the risks and coverages of which companies should be aware when preparing for and responding to data breaches.

See The Status of Data Breach Notification Laws in the United States.