August 2013 Intro Page Dec Page The article of the month deals with the self-insured retention (SIR). This is a concept that is widely…

August 2013 Dec Page Article of the Month The self-insured retention (SIR) is a concept that is widely used and often misunderstood by…

Business Use Exclusion Bars Coverage July 15, 2013 A motorist injured in a collision sued the insurer under a commercial auto policy. This case is Forkwar…

Volunteer Workers and Tips July 15, 2013 We insure a seasonal condo association consisting of 20 individual units under CGL Form 00 01 12 07. During…

Duties of Appraisers July 9, 2013 I am an Independent Adjuster assigned to represent a carrier as a competent, impartial appraiser on a homeowners claim.…

Conversion or Misappropriation of Funds Exclusion under Professional Liability Policy July 8, 2013 The insurer sued its insured under a professional…

Sole Owner and Member as an Employee July 1, 2013 The insured under a commercial garage liability policy brought an action against the insurer,…

Race Discrimination Claim not an Occurrence April 15, 2013 Five African-American men alleged they were refused entry into the insured's…

Nesting and Infestation Exclusion July 1, 2013 Woodpeckers are pecking at the insured's outdoor electrical components, which are located in a…

November 2009 Intro Page No. 966 November 2, 2009 Dec Page: The question of the month deals with what goes into the process of forming a captive insurance…