Timing being everything, as it usually is, our last two posts dealt with issues arising from an insured’s commitments under contract and the insurance that endeavors to support those commitments.  Those topics cannot be discussed without also touching on an insurance agent’s duty to provide the coverages that purport to fulfill those requirements. Gazing into my [...]

Continue reading about The Expansion of Liability to Third Parties — Common Sense? Or Scary Trend?

Chris Christian on February 17th, 2011

Agents are frequently provided insureds’ contract requirements in order to determine insurance needed. But contract requirements can go well beyond limits and Additional Insured status. Does an agent owe a duty to their insured to provide the coverage required by the contract? Or even more frightening — does the agent owe a duty to the insured’s client?

Continue reading about Your Insureds’ Contractual Requirements

Chris Christian on July 30th, 2009

A much-needed tool for agents to get discussion about executive protection products on the table with their insureds.

Continue reading about Executive Protection Checklist Updated

Chris Christian on January 15th, 2009

I have often cautioned my agents about the unfavorable (from the insured’s and broker’s perspective) broadness of an “arising from” exclusion preamble. There are many exclusions for which this wording is unavoidable, but the impact is horrendous.  In the case of insureds that have an incidental or vicarious exposure to bodily injury/property damage claims, unauthorized [...]

Continue reading about The Dreaded “Arising From” Exclusion Wording