When the crime insurance program of the Insurance Services Office (ISO) was revised, the various crime coverage parts were combined into one form. That one form covers theft, robbery, safe burglary, forgery or alteration, computer fraud, funds transfer fraud, and the acceptance of counterfeit currency. The article of the month summarizes each cause of loss and draws distinctions where appropriate.

Various United States District Court take center stage in this month's Dec Page. The U.S. District Court for the Northern District, Illinois, discussed coverage for faulty work claims. The court addressed the meaning of “accident” and “foreseeability” and noted that a general liability policy does not cover an accident of faulty workmanship, but rather faulty workmanship that causes an accident. The allocation of defense costs was discussed by the U.S. District Court for the Southern District of New York. The court was faced with a situation where the insured and several non-insureds were co-defendants and where defense costs were spent to the benefit of both the insured and the non-insured parties. So, the question facing the court was whether the insurer should have to pay all of the defense costs. The last case comes from the U.S. District Court, W.D. Washington and dealt with a claim that noise was property damage as defined, thereby requiring the insurer to offer a defense to the insured.

Questions and Answers

How does the designated person or organization additional insured endorsement provide coverage for an additional insured that does not otherwise qualify for one of the other additional insured endorsements? See Designated Person or Organization AI Endorsement. What are some guidelines on the issue of loading and unloading when it comes to coverage under the CGL form and the BAP? See Loading and Unloading Question under the CGL Form and the BAP.

Does med pay apply when a customer suffers an injury while eating food at the insured's restaurant? See Med Pay and Food Consumed on Premises Issue. Is the insurer correct in denying coverage under the PAP for the insured who was injured falling onto his car? See PAP Coverage Question over a Trip and Fall. Does the PAP apply to an accident in which a mechanic was test driving the insured's car? Test Driving Accident.

Attractive Nuisances

Attractive nuisances are items that are attractive to children but also pose some danger to them. Swing sets can cause injuries, as can trampolines and pools. This article looks at what exactly is an attractive nuisance and how it is handled by the industry. See Attractive Nuisances.

Radio and Television Towers and Equipment

The Insurance Services Office (ISO) provides a form that can be used to insure radio

and television towers and related equipment. The form is IH 00 77 06 14, Radio

And Television Towers And Equipment Coverage Form. When combined with Commercial Inland Marine Conditions Form, CM 00 01 09 04, and Common Policy Conditions Form, IL 00 17 11 98, to form a policy, the insured who is engaged in radio or television broadcasting will have very broad coverage.

This article discusses the changes made in the latest revision of IH 00 77. See Radio and Television Towers and Equipment.