A Tennessee appeals court ruled that a tenant was considered an additional insured on a landlord's policy and that the insurer had no subrogation rights…

Emergency Medical Team Damages Doors to Rescue Insured We have an agency customer on an HO3 policy. He had suffered a medical condition and called 9-1-1…

In Philadelphia Indemnity Ins. Co. v. Montes-Harris, No. S130717, 2006 WL 3517847 ( Cal. Dec. 7, 2006), the California Supreme Court held that an excess…

The U.S. Court for the Southern District of Mississippi found flood exclusions in a homeowners policy to be unambiguous in Buente v. Allstate Ins. Co.,…

A Kansas appeals court found that an insurer owed no duty of good faith and fair dealing to a third party who was a stranger to an insurance contract…

In Jones v. Shelter Mut. Ins. Companies, 274 Neb. 186 ( Neb. , 2007), a passenger in a vehicle was struck by an uninsured motorist who was legally…

April 2005 Dec Page Question of the Month A car rented by the insured is covered as a nonowned vehicle under the terms of the personal auto policy.…

Garage Coverage and Theft We have several questions pertaining to theft losses that have occurred in our insured's garage business. In the first scenario,…

Trees, Shrubs, and Plants Growing in the Ground Are Property Not Covered Our insured is a nursery operation whose business is that of growing…

Business Auto and Claimant's Lost Wages A claim has been presented against our company and our insured for loss of use and lost wages by the…