• Hybrid Policy and True Umbrella Policy Interpreted to Cover the Same Risk

    Hybrid Policy and True Umbrella Policy Interpreted to Cover the Same Risk At the beginning of November, the Supreme Judicial Court of Massachusetts decided that competing excess insurance policies apply equally to provide excess coverage, even if one policy is a true excess policy and the other...

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  • Not All Holes-in-One are Covered under Hole-in-One Insurance

    Not All Holes-in-One are Covered under Hole-in-One Insurance The United States Court of Appeals for the Fourth Circuit affirmed the decision of the lower court that an insurer was not obligated to pay out a claim that did not fall under the terms of the policy. The case is All Risks, Ltd. v. Old...

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  • Farm Umbrella Liability Policy

    Farm Umbrella Liability Policy Includes copyrighted material of Insurance Services Office, Inc., with its permission. Designed to Meet the Special Needs of Farmers Summary: ISO developed the farm umbrella liability policy (FB 00 01 04 16 ) to provide higher limits and broader coverage for...

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  • Separation of Insureds Clause Applied to Employer's Liability Exclusion

    Separation of Insureds Clause Applied to Employer's Liability Exclusion An umbrella commercial liability brought an action seeking a declaratory judgment that it owed no coverage for a bodily injury claim filed against property owners by an employee of the lessee under the lessee's umbrella...

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  • Contractual Liability Exclusion

    Contractual Liability Exclusion In this case, the insurer (Continental Casualty Company) seeks a declaration regarding its duty to defend and indemnify the insured (Greater Omaha Packing Company) in a lawsuit filed against the insured. This case is Continental Cas. Co. v. Greater Omaha Packing...

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  • Additional Insured Status and Umbrella Policy

    Additional Insured Status and Umbrella Policy The property owner's assignee brought an action against the contractor's liability insurer to recover for bad faith refusal to defend and indemnify the owner as an additional insured in connection with the assignee's bodily injury claim. This case is...

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  • Commercial Excess Liability Coverage Form

    Commercial Excess Liability Coverage Form ISO Coverage Form Summary : Insurance Services Office (ISO) has developed the Commercial Excess Liability Coverage Form, ( CX 00 01 04 13 ), which was introduced as a part of the Commercial Umbrella Liability program. The form was designed to sit atop...

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  • Business Liability, Umbrella Policies, and Employee Accident Driving Own Car to Work

    Business Liability, Umbrella Policies, and Employee Accident Driving Own Car to Work In Video Warehouse, Inc. v. Southern Trust Ins. Co ., 2009 WL 806741 (Ga.App.) , Video Warehouse, Inc. appealed a summary judgment awarded to Southern Trust Insurance Company. Video Warehouse argued that a...

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  • Trademark Case Gets Defense, Indemnity under CGL and Umbrella Policies

    Trademark Case Gets Defense, Indemnity under CGL and Umbrella Policies In General Cas. Co. of Wisconsin v. Wozniak Travel, Inc. , 2009 WL 702437 (Minn.) , Tolkien Enterprises sued Wozniak Travel, Inc. d/b/a Hobbit Travel, alleging trademark infringement, trademark dilution, and unfair competition...

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  • 2007 CGL Form Revisions

    2007 CGL Form Revisions An Overview This article presents an overview of the revisions that the Insurance Services Office (ISO) made to the commercial general liability (CGL) coverage form, effective December 2007. Since most umbrella forms provide coverage for the insured based on the coverages...

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  • Wrongful Primary Insurer Denials Mean Difficult Choices for Umbrella Insurers

    Wrongful Primary Insurer Denials Mean Difficult Choices for Umbrella Insurers Wrongful Primary Insurer Denials Mean Difficult Choices for Umbrella Insurers This article was written by guest authors Todd S. Schenk and Nicolas C. Mesco. Schenk is a partner and Mesco an associate in the Chicago...

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