• THE TRUTH ABOUT LIABILITY INSURANCE AND GUNS

    THE TRUTH ABOUT LIABILITY INSURANCE AND GUNS As the nation reels from yet another school shooting, calls for gun control or arming more people with guns abound. There are also calls for requiring gun owners to have liability insurance; unfortunately, it is not that easy.  No insurance policy...

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  • Dog Bite Statutes Part II—Definition of "Dangerous"

    Dog Bite Statutes Part II—Definition of "Dangerous" Dogs and dog bites have long been a concern among insurance personnel. Underwriting has to determine whether or not to write a policy when a dog is in the house, and claims adjusters have to settle claims when a bite has...

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  • Dog Bite Statutes Part III—Leash Laws

    Dog Bite Statutes Part III—Leash Laws Dogs and dog bites have long been a concern among insurance personnel. Underwriting has to determine whether or not to write a policy when a dog is in the house, and claims adjusters have to settle claims when a bite has occurred. Each state has...

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  • Dog Bite Statutes Part I—Liability Laws

    Dog Bite Statutes Part I—Liability Laws Dogs and dog bites have long been a concern among insurance personnel. Underwriting has to determine whether or not to write a policy when a dog is in the house, and claims adjusters have to settle claims when a bite has occurred. Each state has...

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  • The Truth about Dangerous Dogs

    The Truth about Dangerous Dogs Anytime dogs and insurance are mentioned together, everyone is all ears. Aside from the fact that millions of people own and love dogs, there are many people afraid of dogs or who have had bad encounters with various house pets. Some of these encounters are the...

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  • Expected or Intended

    Expected or Intended Issues Arising From Use of the Phrase Summary: Commercial liability forms (e.g., the commercial general liability coverage form, or the CGL form) and personal liability forms (e.g., the homeowners policy) have long contained a provision excluding from liability coverage...

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  • Intentional Act Exclusion and Its Effect on the Duty to Defend

    Intentional Act Exclusion and Its Effect on the Duty to Defend A Court of Appeals in Ohio addressed the issue of whether an insurer had a duty to defend and indemnify the insured after the insured pled to complicity to engage in arson. This case is Black v. Richards, 2010 WL 2546705 (Ohio App. 5...

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  • Separation of Insureds Clause and the Intentional Acts Exclusion

    Separation of Insureds Clause and the Intentional Acts Exclusion The Supreme Court of California agreed to answer a question of California insurance law directed to it by the United States Court of Appeals for the Ninth Circuit. The question was: where a contract of liability insurance covering...

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  • Business Exclusion not Applicable when Homeowner's Dog Bites Boarder

    Business Exclusion not Applicable when Homeowner's Dog Bites Boarder The issue before the appeals court was whether either the business or rental exclusions in a homeowner's policy applied to defeat coverage for the insured who was sued after her dog bit a boarder's son. This case is Homesite...

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  • Auto Coverage, Homeowners Coverage, and the "Arising Out Of" Dispute

    Auto Coverage, Homeowners Coverage, and the "Arising Out Of" Dispute This case pits an auto liability insurer against a homeowners liability insurer. Each insurer claimed the other was responsible for paying a liability claim, and the disputed point centered on the phrase “arising out...

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  • Motor Vehicle, Watercraft, and Aircraft Liability Exclusions

    Motor Vehicle, Watercraft, and Aircraft Liability Exclusions ISO and AAIS Homeowners Programs Summary: All Insurance Services Office (ISO) and American Association of Insurance Services (AAIS) homeowners forms contain liability and medical payments exclusions pertaining to activities involving...

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