Policy Wording Matters discusses coverage issues and solutions cutting across many lines of business. The research material is contributed by Gen Re coverage specialists as well as law firms with insurance practices.
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Issue: December, 2011 Language: English
Summary:
This edition highlights common drafting challenges for property insurers, as well as developments relevant to auto, general liability, umbrella and professional liability insurers. |
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Issue: June, 2011 Language: English
Author:
Mindy Pollack
Summary:
This publication highlights claim and coverage issues including articles on: FACTA, credit information and commercial lines; fracking and personal lines; cyberbullying and personal umbrella; and dog bite exclusions and drafting considerations. It also includes an article about subcontractors GL and AI endorsements--primary and non-contributory issues. |
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Issue: December, 2010 Language: English
Authors:
Douglas Clark,
Mindy Pollack
Summary:
This edition highlights ISO's 2011 Homeowners revision; AAIS's provision excluding liability coverage arising out of cyber-bullying and related claims; sexual abuse exclusions for personal and commercial lines; and recent state policy wording changes. |
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Issue: June, 2010 Language: English
Authors:
Douglas Clark,
Mindy Pollack
Summary:
This edition highlights the latest round of policy forms filed with state insurance departments, with a focus on new drywall and green endorsements. We also discuss recent decisions on dropdown affecting personal and commercial lines, as well as coverage issues and wording solutions cutting across many lines of business. |
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Issue: December, 2009 Language: English
Authors:
Douglas Clark,
Mindy Pollack
Summary:
This edition highlights the recent coverage decisions involving self-defense and sexual misconduct, and the policy wording implications. We also highlight the new ISO "Green" endorsement for the Commercial Property Policy as well as coverage issues and wording solutions cutting across many lines of business. |
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Issue: August, 2009 Language: English
Author:
Douglas Clark
Summary:
This edition of Policy Wording Matters.focuses on one topic: the 2010 ISO Businessowners Policy. We review the property and liability changes, and provide additional details on: Property - Civil authority, exclusions and new endorsements; Liability - New condo D&O coverage; Liability - Revisions to construction-related endorsements; and the status of the ISO filing. |
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Issue: June, 2009 Language: English
Author:
Mindy Pollack
Summary:
This issue of Policy Wording Matters highlights the recent activity in Texas on pollution exclusions and state views on a variety of environmental/toxic exclusions, as well as coverage issues and wording solutions cutting across many lines of business. In this June 2009 edition, you can read about: Texas Takes Action on Pollution Exclusions - how Texas and other states view these and other exclusions; Underinsurance in California - new HO case and implications for property insurers; ISO BOP Changes to Policy and Endorsements; Cases on Intentional Acts, Earth Movement and Claims Made Policies, and New Laws On Policy Wordings and Filings. |
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Issue: December, 2008 Language: English
Authors:
Douglas Clark,
Mindy Pollack
Summary:
This edition highlights the Mutual Service Office (MSO) and other Bureau forms, as well as coverage issues and wording solutions cutting across many lines of business. Topics discussed include:
MSO Forms How they compare to other Bureau wordings; New AAIS AgGL Program, and ISO GL/CU Update; Auto UM/UIM Wording challenges on bystander claims; Loss Notice Provisions in New York Occurrence and claims-made policies; Statement of Values and Questionnaires New cases and New Laws on Policy Wordings and Filings. |
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Issue: September, 2008 Language: English
Authors:
Douglas Clark,
Mindy Pollack
Summary:
This issue discusses the "do it yourself" risk for drafting unique policy language and considers some best practices used by some companies to reduce the risk. Also included is a reprinted article about Drafting Exclusions. |
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Issue: June, 2008 Language: English
Authors:
Douglas Clark,
Sue Stein
Summary:
Policy Wording Matters discusses coverage issues and solutions cutting across many lines of business. In this issue we focus on: Umbrellas and the ISO Excess Policy; Vacancy Clauses--How the Bureaus and companies handle the exposure; and Exclusionary Language--Does a Change in Packaging Result in a Shift of the Burden?. As with each issue, there is also a summary of recent laws and rulings affecting insurance policies and coverage. |
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Issue: December, 2007 Language: English
Authors:
Douglas Clark,
Charlie Kingdollar,
Mindy Pollack
Summary:
This edition of Policy Wording Matters focuses on: Commercial Property Forms--ISO's 2007 edition changes reflect lessons from 9/11; Personal injury and the Internet--AAIS and ISO Approaches; Common Coverage Questions; Coverage in contractor and mold cases; Sexual Abuse Exclusion upheld; and Legal developments involving form revisions, pollution exclusions, liquor liability exclusions, suit time limits and more. |
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Issue: June, 2007 Language: English
Author:
Mindy Pollack
Summary:
Our in-depth articles in this edition of Policy Wording Matters are aimed at the practical and legal issues faced by all types of insurers considering new policy forms. In this issue, we focus on: Revising Your Policy--Is now the right time to change your wording or adopt the new Bureau form?; Coverage by Admission--The legal risk of fixing policy language, written by attorney Randy Maniloff; Drafting Clear Anti-Stacking Policy Language--More guidance from the courts; Per Location Aggregates in Umbrella Policies--Consider the nonconcurrencies; and mention of several other Legal and Legislative Updates. |
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Issue: February, 2007 Language: English
Author:
Douglas Clark
Summary:
Policy Wording Matters discusses coverage issues and solutions cutting across many lines of business. In this issue we focus on: ISO's new 2007 CGL; Concurrent causation and state laws--Will property exclusions be enforceable?; Construction Defects--New policy approaches to containing progressive damage claims; Fire-Following Terrorism--Map of state laws permitting fire following exclusions; and Recent cases and laws on hired & non-owned auto coverage, General vs. Professional Liability, coverage disclosure forms, water damage and business pursuits. |
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Issue: November, 2006 Language: English
Summary:
For: Underwriters and Program Managers, Legal, Claims, Policy Drafters. This issue focuses on: Pandemics and Property Coverage, the new ISO exclusion and recent cases; Anti-Stacking Clauses -- wording that worked; wording that didn't; Copyright Law and Insurance Policies; and Recent Cases and Laws on UM/UIM and Umbrella; Non-renewals After Catastrophes; Sexual Abuse Exclusions; Claims-made Policy Reporting; and Tips for Drafting Lists. |
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Issue: August, 2006 Language: English
Author:
Douglas Clark
Summary:
Policy Wording Matters discusses coverage issues and solutions cutting across many lines of business. In this issue we discuss the new ISO BOP policy (property and liability); the early flood exclusion cases from Gulf Coast states; notifying insureds about form changes; interesting business interruption rulings; and a variety of laws and decisions on policy wording. |
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Issue: March, 2006 Language: English
Summary:
Policy Wording Matters discusses coverage issues and solutions cutting across many lines of business. In this issue we focus on: Personal Injury Coverage - by adding HO or PU coverage, what claims may you get?; Sexual Abuse Exclusions - an update; ERPs - many choices, different outcomes; Better Binders and Earlier Policies - more unexpected losses; Mold and Replacement Costs; After Katrina, Rita and Wilma - new laws in the Gulf states; and Legal developments involving applications, arson exclusions and auto/step-down limits. |
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