This month I begin a new monthly column for the Insurance Journal called “Logic & Language, Forms & Facts.” Each column is about how policy form language and the facts and circumstances of each claim impact whether the claim is covered. Then, applying logic and policy language, I demonstrate why I believe the claim is or isn’t covered.

The January column is subtitled:

The Unimpeachable Case of the Word ‘Are’

The article is about how one word in the insurance contract, even the tense of a verb. can make the difference in whether or not a claim is covered.

Hope you enjoy it.

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Bill Wilson

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One of the premier insurance educators in America on form, coverage, and technical issues; Founder and director of the Big “I” Virtual University; Retired Assoc. VP of Education and Research from Independent Insurance Agents & Brokers of America. Reprint Request Information