Risk Mgt » Coverage Issues
Issues surrounding insurance coverages such as additional insureds. Insurance coverage analysis. Policy wording issues. Waivers of subrogation issues.
Is Additional Insured Coverage Becoming Just an Illusion? [21975] 
Whether an additional insured endorsement that excludes the negligence of the additional insured furnishes illusory cove
Whether an additional insured endorsement that excludes the negligence of the additional insured furnishes illusory cove
ACV - Actual Cash Value Definition [30108]
Explains ISO IL 01 02 05 05 form's definition of Actual Cash Value
Explains ISO IL 01 02 05 05 form's definition of Actual Cash Value
Adding Additional Insureds to a Liability Policy [4063]
Discussion on how to handle the addition of additional insureds to a liability policy
Discussion on how to handle the addition of additional insureds to a liability policy
Additional Insured Changes in the CGL [25678]
A discussion of 2004 ISO changes to the CGL related to additional insureds
A discussion of 2004 ISO changes to the CGL related to additional insureds
Additional Insured Endorsement Minefields [28709]
Areas to consider in a basic analysis of any additional insured endorsement
Areas to consider in a basic analysis of any additional insured endorsement
Additional Insureds: Where There Is a Right, There Is Remedy Except in Illinois [17222]
Schal-Bovis, Inc. v Casualty Ins. Co., 732 NE2d 1179 (Ill App June 30, 2000)
Schal-Bovis, Inc. v Casualty Ins. Co., 732 NE2d 1179 (Ill App June 30, 2000)
Additionally Insured Issues [10098]
Presents the issues related to additional insureds on insurance policies
Presents the issues related to additional insureds on insurance policies
Advertising Injury Coverage & the CGL [30115]
If not defined in the policy, courts must ascertain what constitutes "advertising"
If not defined in the policy, courts must ascertain what constitutes "advertising"
Allocation Theory: Exhaustion [31652]
Requires the insured to exhaust all primary policy limits before invoking excess coverage
Requires the insured to exhaust all primary policy limits before invoking excess coverage
Avoiding Additional Un-Insured Status [28470]
Consequences of the amended ISO 2004 additional insured endorsements
Consequences of the amended ISO 2004 additional insured endorsements
Claim Examples [17796]
Examples of insurance claims involving D&O, EPL, professional liability and more
Examples of insurance claims involving D&O, EPL, professional liability and more
Claims Made vs Occurrence [15988]
What follows is a description of the various issues relating to this topic
What follows is a description of the various issues relating to this topic
Collapse Coverage Insurance Language [24640]
As courts expand the meaning of “collapse,” insurers must define the coverage more carefully
As courts expand the meaning of “collapse,” insurers must define the coverage more carefully
Contractual Liability Coverage [11473]
CGL policy does not automatically cover the defense costs of an indemnitee
CGL policy does not automatically cover the defense costs of an indemnitee
Coverage Analyzer/Business Liability [17959]
Interactive questionnaire helps determine which coverages are involved
Interactive questionnaire helps determine which coverages are involved
Coverage Analyzer/Personal Injury [17960]
Interactive questionnaire helps determine which coverages are involved
Interactive questionnaire helps determine which coverages are involved
Coverage for Mental Anguish without Bodily Injury [30148]
A minority of states construe the definition to include mental anguish
A minority of states construe the definition to include mental anguish
Criminal Conduct Exclusions [17946]
The intentional act exclusion is almost always a feature of liability policies
The intentional act exclusion is almost always a feature of liability policies
Defective Work Claims Coverage Disputes [16005]
CGL policy language may provide coverage for PD damage arising out of defective work
CGL policy language may provide coverage for PD damage arising out of defective work
Detecting Uncertainty in the Meaning of Insurance Policy Wording [19221]
Discusses the ambiguity, vagueness, absurdity, and obscurity of contract language
Discusses the ambiguity, vagueness, absurdity, and obscurity of contract language
Double Insurance & Contribution Among Insurers [19649]
The issues created by overlapping insurance policies
The issues created by overlapping insurance policies
Example of Excess Liability Policy Coverage Gaps [4067]
Provides a specific example in which there is a coverage gap in respect to defense costs
Provides a specific example in which there is a coverage gap in respect to defense costs
Insurance Contract Interpretation [20887]
A risk financing program may involve self-insurance & intricate layers of primary & excess insurance
A risk financing program may involve self-insurance & intricate layers of primary & excess insurance
Insurance Coverage and the Hurricanes of 2004 [14861]
Insurance coverage issues related to hurricanes
Insurance coverage issues related to hurricanes
Insurer's Duty to Defend its Insureds [24627]
Even if a suit is frivolous or groundless, the insurer must defend against allegations potentially covered
Even if a suit is frivolous or groundless, the insurer must defend against allegations potentially covered
Insuring the Independent Contractor Exposure ![[pdf]](graphics/file_pdf.gif)
[18727]
How to protect yourself from independent contractor claims
[18727] How to protect yourself from independent contractor claims
Intellectual Property Assets Raise Insurance Issues [26499]
Consider the possibility of insurance coverage under one or more insurance policies
Consider the possibility of insurance coverage under one or more insurance policies
Limited Liability Companies [4065]
Discusses the need for coverage amendments for D&O and CGL policies with LLC
Discusses the need for coverage amendments for D&O and CGL policies with LLC
Marketing Considered Misappropriation of Advertising Ideas [30116]
A case ruling that the marketing of infringing goods may be covered under the policy.
A case ruling that the marketing of infringing goods may be covered under the policy.
Misrepresentation & Certs [13758]
Consequences of adding information on certificates that misrepresents the truth
Consequences of adding information on certificates that misrepresents the truth
Mobile Equipment vs. Automobiles [16152]
Certain categories of vehicles qualify as “mobile equipment” rather than automobiles
Certain categories of vehicles qualify as “mobile equipment” rather than automobiles
One vs Multiple Occurrences [22026]
An objective examination of this issue from an educational perspective
An objective examination of this issue from an educational perspective
Ongoing Operations Additional Insured Endorsements [30089]
Courts frequently broadly construe the scope of additional insured endorsements
Courts frequently broadly construe the scope of additional insured endorsements
Personal Injury Protection (PIP) [12914]
PIP, sometimes referred to as Medical Payment Insurance or Medpay, is a no-fault coverage
PIP, sometimes referred to as Medical Payment Insurance or Medpay, is a no-fault coverage
Planning Around the "Other Insurance Clause" in the Subcontractor's Policy [14612]
John Burns Constr. Co. v Indiana Ins. Co
John Burns Constr. Co. v Indiana Ins. Co
Separation of Insureds [19224]
Coverage issues raised by the Separation of Insureds condition of the ISO commercial GL form
Coverage issues raised by the Separation of Insureds condition of the ISO commercial GL form
The Complete Glossary of Insurance Coverage Explanations [4072]
Provides insurance coverage explanations for a variety of insurance terms
Provides insurance coverage explanations for a variety of insurance terms
The Construction Defect Coverage Claim Under a CGL Policy [19537]
The framework for analyzing a claim for construction defects insurance coverage under a CGL policy
The framework for analyzing a claim for construction defects insurance coverage under a CGL policy
Waivers of Subrogation - Insurance Coverage [21959]
Discusses a Fourth Circuit case that demonstrates the importance of waivers of subrogation
Discusses a Fourth Circuit case that demonstrates the importance of waivers of subrogation
What Does Separation of Insureds Mean - Part 2 [21961]
Reviews the second subparagraph of the Separation of Insured condition
Reviews the second subparagraph of the Separation of Insured condition
What is Subrogation and Why is My Contract Waiving It? [21979]
Understanding the waiver of subrogation provision
Understanding the waiver of subrogation provision
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