Eat, Build, Sleep - New Sources of Liability in the Usual Places
Issue: November 2013 | Auto/Motor, General Liability, Property | Download PDF | English By Laura Allison, Property/Casualty Underwriter, Stamford Matt Burns, P/C Treaty Commercial Umbrella Line of Business Underwriter, Stamford Mindy Pollack, Property/Casualty Treaty Product Specialist, Stamford
Nothing stays the same, even on “Main Street.” Many of the most familiar classes and exposures - restaurants, habitational, contractors - are still affected by new legal twists and societal trends. Often these changes spill over to personal and other lines, such as auto and liquor. Most carriers support a book with far more variety, as do we, but “Main Street” risks are probably in there.
In this edition of Casualty Matters, we present a variety of laws, claims and court decisions that offer new sources of exposure in these familiar places. From restaurant to social host, apartment complex landlord to multi-family rental, and home builders to house pets, we highlight recent developments that reflect some change in liability. A few additional rulings add interesting contrasts - mass junk faxes sent by business owners and teen text messages sent to the driver of the family auto, as well as company-leased autos and toy cars used by children.
If we can help you examine the exposures and develop underwriting solutions for the challenges you face, let us know. It could be a new twist on a fairly common risk, or an old liability theory on an unusual risk. We can offer insights for the old and new in your unique book of business.
Read this publication by clicking on the articles listed in the Table of Contents.