The article of the month deals with motor truck cargo coverage. The Insurance Services Office (ISO) offers motor truck cargo carriers coverage under IH 00 72. This coverage form is part of ISO's inland marine program for nonfiled commercial inland marine exposures. This article analyzes the coverage, the covered causes of loss, the exclusions, and the additional conditions that make up IH 00 72.

Also presented in the Dec Page is information on several endorsements published by ISO pertaining to liability coverage, or lack thereof, for drones. A summary of the endorsements is offered, with references listed to more complete discussions of drones and insurance coverage.

The court cases in the Dec Page come from various jurisdictions. The U.S. District Court for the Southern District of Florida analyzed the products-completed operations hazard exclusion in connection with injuries suffered by a claimant due to an auto accident. The U.S. Court of Appeals, Eighth Circuit, reviewed two claims-made professional liability policies the insurer provided to the insured and had to decide if coverage for a claim was applicable under either policy. The final case comes from the Supreme Court of Rhode Island and deals with intrafamily injuries and the meaning of a “resident of your household”. The child of divorced parents was injured at the father's house, but she lived with her mother. When the mother filed a lawsuit against the father, does the father's homeowners policy provide coverage for the claim?

Questions and Answers

Is a campground considered vacant land? See Campground as Vacant Land. Is a large generator personal property or an other structure? See Generator as Other Structure. When multiple claims are filed against one insured that exceeds limits, how are the claims settled? See Settling Multiple Claims Against One Insured. Can wind driven rain cause repeated seepage or leakage? See Wind Driven Rain.

Electronic Device Insurance

With the popularity of cell phones and tablets, a new type of insurance has emerged. Electronic Device Insurance is geared towards damage for these items from perils specific to the equipment. This is not warranty coverage, but true insurance designed to provide coverage for certain hazards. See Electronic Device Insurance.

Product Withdrawal Coverage Form

The standard CGL form excludes coverage for damages claimed for any loss, cost, or expense incurred by the named insured or others for the withdrawal of the named insured's product from the market. As a remedy for this lack of coverage, the Insurance Services Office (ISO) offers the Product Withdrawal Coverage form, CG 00 66 04 13. This form has two insuring agreements: coverage A, product withdrawal expense, and coverage B, product withdrawal liability. An update has been made to this article to reflect changes made to the 2013 edition of the form. See Product Withdrawal Coverage Form.