November 2013 Intro Page Dec Page The article of the month deals with automatic coverage for vehicles under the terms of the personal…

Property Damage Coverage under Real Estate Operations Endorsement October 21, 2013 We insure a real estate broker on a Commercial General Liability…

Contractual Requirement for CGL Coverage An insurer recently denied coverage for a claim where property damage was caused by a subcontractor on a job…

Removal of Fence by Neighbor October 16, 2013 We have an HO2 policy. Our insured erected a privacy fence on his property line, a boundary that is the…

November 2013 Dec Page Article of the Month The policy provisions of the personal auto policy (PAP) give automatic coverage under certain…

Mutual Mistake Doctrine The victim of a dog bite brought an action against the dog owner's insurer as the assignee of the owner's claims under a homeowners…

Latent Manifestation of Chemical Reaction Is an Occurrence October 8, 2013 In Westfield Insurance Co., v. B.H. Green & Son, Inc.,…

Physical Contact Interpreted September 30, 2013 This case involves the interpretation of the term "physical contact" in the insurance policy's…

Lifting of Shingles Causes Damage September 25, 2013 Citizens Homeowner 3 special form HO-3 01 13 section 1-perils insured against, 2, h. WE DO NOT…

October 2013 Intro Page Dec Page The article of the month deals with coverage under the Longshore and Harbor Workers Compensation Act.…