October 2013 Dec Page Article of the Month The United States Lomgshore and Harbor Workers Compensation Act (L&HWCA) was enacted into…

Tenant as Coinsured with Landlord September 17, 2013 The landlord (and his insurer) brought a subrogation action against the tenants for…

Release of Pollutants Brought on Premises by Insured September 16, 2013 Our insured is a contractor and sprayed a chemical solution in…

Temporary Worker Status Discussed In this appeal to the Court of Appeals of Tennessee, the court had to determine whether an injured worker was an employee…

Updating of Undamaged Septic System September 4, 2013 I have an insured who has suffered covered fire damage to his home. During the course of reconstruction…

Offer to Return Premium not Required as Prerequisite to Policy Rescission September 3, 2013 The insureds, whose garage was destroyed by fire,…

Failure to Warn Claim Not Covered August 26, 2013 The insurer filed a declaratory judgment action seeking a declaration that the liability…

Advertising Injury Claim and Intellectual Property Exclusion August 19, 2013 The insurer made a motion to dismiss the complaint brought by the…

September 2013 Intro Page Dec Page The article of the month deals with the issue of a building versus a structure. Property, liability,…

Hail Blocking Gutters Not Exception to Commercial Property Limitation August 19, 2013 Our insured carries a CP 10 30, Causes of Loss – Special…