Category: Issues

Work-From-Home Arrangements May Create Coverage Gaps

Most commercial property policies largely limit coverage for business personal property to that located at a described location. Increasingly, though, business property is being dispersed to the locations of home workers, creating a need for more current and relevant coverages, not to mention revisiting business limitations and exclusions in personal lines forms.

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Onerous Certificate of Insurance Requests

Are you ever asked to issue a certificate of insurance attesting that just about everyone in the entire state is an additional insured on your customer’s CGL policy? If so, let’s hope the remuneration from the contract requiring this is worth essentially giving away the insurance.

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A Certificate of Insurance Supreme Court Decision You MUST Read TODAY

If an agent says that someone is an additional insured on a certificate of insurance and they’re actually not, is the agent liable? Does such a misrepresentation by the agent create a liability for the insurer? Does such a misrepresentation override any disclaimers on the certificate? According to the Washington Supreme Court, the answer is “Yes, yes, yes.” Read on for the details and the lessons learned.

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Torture Numbers and They’ll Confess to Anything

I just read an article that referenced a ‘study’ that said that only 11% of ‘people’ find insurance agents and brokers to be trustworthy. I’m reminded of a couple of quotations: “Torture numbers and they’ll confess to anything” and “The Devil can quote scripture to suit his purpose.” That’s why I don’t put a lot of stock into articles and ‘studies’ that appear to be solutions (or conclusions) in search of problems.

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