• AAIS Homeowners Common Endorsements - Archived

    AAIS Homeowners Common Endorsements - Archived Tailoring to Meet Coverage Needs Summary: The coverages of the American Association of Insurance Services (AAIS) standard homeowners forms (Forms 1, 2, 3, 4, 5, 6, and 8) are designed to provide the kinds of insurance protection that most homeowners...

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  • Homeowners Section I - Archived Article

    Homeowners Section I - Archived Article Property Coverage Agreements Summary: These pages examine section I (property) homeowners coverage in the most recent ISO program, the homeowners 2000. Included in the homeowners 2000 program is comprehensive form HO 00 05 10 00 , which gives special...

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  • Subrogation - Archived Article

    Subrogation - Archived Article An Overview Summary: The subrogation provision is common in insurance policies. Essentially, subrogation is a means by which the insurer “steps into the shoes” of the insured, collecting from an entity responsible for a loss the money it has paid to an insured....

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  • Dishonest, Fraudulent, and Criminal Acts—Archived Article

    Dishonest, Fraudulent, and Criminal Acts—Archived Article Dishonest, Fraudulent, and Criminal Acts Today, many lawsuits against directors and officers contain allegations of fraud, especially in securities cases. This is partially the result of passage of The Private Securities Litigation...

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  • Special Provisions - Variations by State--Archived Article

    Special Provisions - Variations by State--Archived Article July 2009 Introduction The mandatory special provisions discussed herein apply to the 2000 forms, unless otherwise noted. The edition dates of the forms discussed in this article are correct as of this writing (February, 2009); please be...

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  • Excess Coverage and Deductibles—Archived Article

    Excess Coverage and Deductibles—Archived Article Liability, Property, and Workers Compensation Summary: Understanding excess insurance coverage terms and concepts is essential to dealing with the excess insurance marketplace. This treatment discusses the differences between excess and...

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  • Commercial General Liability Definitions - Archive

    Commercial General Liability Definitions - Archive Words and Terms Used Throughout the Policy Summary: Words and terms that have a contractually defined meaning that applies throughout the commercial general liability (CGL) coverage forms are discussed in this article. The definition section of...

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  • Product Withdrawal Coverage Form—Archived Article 2

    Product Withdrawal Coverage Form—Archived Article 2 Liability and Expense Coverage October 21, 2009 Summary: The standard CGL form excludes coverage for damages claimed for any loss, cost, or expense incurred by the named insured or others for the withdrawal of the named insured's product...

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  • Homeowners Personal Liability Insurance - Archive

    Homeowners Personal Liability Insurance - Archive Homeowners Section II Insuring Agreements Summary: Personal liability insurance is liability protection that applies to activities and conditions at the insured premises, and to the personal (non-business) activities of the named insured and...

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  • Numismatic and Philatelic Property-Archive 2

    Numismatic and Philatelic Property-Archive 2 Do Homeowners Money, Stamps Limits Apply to Collections? Summary: Coin and stamp collections pose the question of whether this type of property is subject to the special limitations contained in the homeowners policy for money and stamps. The issue is...

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  • Personal Liability Additional Coverages - Archive

    Personal Liability Additional Coverages - Archive ISO Homeowners Section II Summary: In addition to the liability and medical payments coverages, the Insurance Services Office (ISO) homeowners policy section II—liability coverages contains four additional coverages. Payments made under the...

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