Personal Lines Articles

Latest Articles

Personal Risk Management

Driver Safety for Meal Delivery Operations

2016-10-21 | Paul Farrell

This article emphasizes the importance of having a strong business auto safety program to assure that delivering meals to customers goes smoothly.

Property Insurance

Other Insurance Clauses: Too Much Insurance Can Hurt You

2016-09-02 | Jay M Levin

Relates a recent other insurance case where the policyholder got caught up in a dispute between insurers to its own detriment.

Claims Practices

Prompt Payment of Appraisal Award Defeats Bad Faith

2016-07-22 | Barry Zalma

A Texas case, Anderson v. American Risk, shows that a breach of contract is needed for a bad faith claim.

Property Insurance

Named Insureds on Property Policies

2016-05-13 | Jay M Levin

Failing to name an insured is not always fatal if there is a clear intent to insure a risk.

Claims Practices

Agent's Lie to Insurer Voids Policy

2016-04-08 | Barry Zalma

Lies on insurance application about material facts cancels coverage.

Claims Practices

Installation of Defective Product Is Not Physical Damage

2016-02-26 | Barry Zalma

Installation of Defective Product Is Not Physical Damage—Barry Zalma relates a case holding that actual physical injury is required for CGL coverage.

Catastrophe Risk Management

Obtaining the Right Builders Risk Insurance Coverage

2016-02-05 | Christopher M Brophy, David G Jordan

You're building an office building, residential complex, hotel, or multi-use construction project for an estimated cost of $120 million, and your lender says it wants $120 million of insurance coverage for wind storm, flood, and other perils. But wait—is that amount suitable for the project?