Will a Business Interruption Policy Help Businesses Suffering from Covid-19? In California, the short answer is probably No.
|Posted on October 25, 2020 at 5:05 PM|
(Page 24 of PDF)
With businesses suffering unprecedented losses as a result of business closures related to Covid-19, many are asking if there could be any help from traditional insurance policies designed to pay for a business’s loss of income. In order to determine whether or not there could be coverage, we n...Read Full Post »
|Posted on October 25, 2020 at 4:40 PM|
Do you really need Uninsured/Underinsured Motorist (UM/UIM) if you have health insurance? In these difficult times, people are becoming increasingly creative when it comes to cutting costs. One suggestion I heard was to reduce auto insurance costs by eliminating UM/UIM coverage. The person proposed that UM/UIM is unnecessary if yo...Read Full Post »
|Posted on March 25, 2019 at 2:15 PM|
The webinar that I did for the SILA Foundation (Sila.org) about Defamation, Libel, Slander, Insurance Coverage, and Freedom of the Press is available here: http://www.silafoundation.org/2019/02/webinar-defamation-libel-slander/
Do liability insurance policies cover defamation?
Court Affirms $350k Verdict for Lawyer Smeared on Avvo.
Can you sue Facebook, Yelp, Avvo or other social media platforms for defamation?
Section 230 of the Communications...Read Full Post »
|Posted on March 8, 2019 at 5:40 PM|
This article originally appeared in the Winter, 2018 edition of Resources Magazine, a Publication of the National Alliance for Insurance Education and Research, www.scic.com/news/post/discourse-discord-and-defamation
By Dwight M. Kealy, J.D., MA, CIC, AAI
In the tumult of our modern public discourse, do you ever wonder how someone can blatantly tell a mistruth about another person, and get away with it? Truth be told, if you say or write a false defamatory statement of fact a...Read Full Post »
You don't go to the beach without sunscreen, but you have a California business without earthquake insurance?
|Posted on December 2, 2018 at 10:15 PM|
You don’t go to the beach without sunscreen, but you have a California business without earthquake insurance? You pay the parking meter, but you don’t have protection for your lost business income if your business gets shut down because an earthquake wipes out all power and water to your business? There is a chance that you don’t get sun burned and a chance that you don’t get a parking ticket. What are the chances of your business not experiencing an earthquake loss...Read Full Post »
|Posted on August 19, 2016 at 1:00 AM|
A Look at Bail Bonds and Bonds to Release Attachments in the CGL Policy
This article originally appeared in the Winter, 2015 issue of Resources Magazine, a publication of The National Alliance for Insurance Education and Research.
Most people do not think of the Commercial General Liability (CGL) Policy as a place to get payment for bonds, but the CGL Policy provides payment for two types of bonds: (1) up to $250 for the cost of bail bonds, ...Read Full Post »
|Posted on October 7, 2015 at 12:25 AM|
The article below originally appeared in the Fall, 2015 issue of Resources Magazine, a publication of The National Alliance for Insurance Education and Research. The content and illustration come from my book Legal Concepts for Insurance Agent Ethics: How Agents Get Sued and Lose Their Licenses. The book is available as an ebook or paperback at https://www.lulu.com/shop/search.ep?key...Read Full Post »
|Posted on September 28, 2015 at 2:40 PM|
|Posted on June 29, 2015 at 2:40 PM|
|Posted on May 30, 2015 at 12:05 AM|
Note: This article originally appeared in the September 8, 2014 issue of the Insurance Journal.
The commercial general liability (CGL) occurrence form policy is like a row of briefcases each filled with $1 million.
Inscribed on the front of each briefcase is a year representing a specific annual policy period. Each briefcase has a combination lock. If you have the right combination, you can open the briefcase and take as much money as you need to pay damages cov...Read Full Post »
|Posted on December 10, 2013 at 7:10 PM|
Dear Contractors: The wall you just built may not be covered by your insurance the way you think it is. This is because although the commercial general liability (CGL) policy may cover bodily injury or property damage to others resulting from your product or work, the policy specifically excludes damage to your property, product or work.
It is important for agents working with contractors to understa...Read Full Post »