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Lyla,
Thank you for commenting!
Commented May 23, 2012 on Can an Insurance Agent Decline to Place Coverage for Someone? at Ask Tim
Can an Insurance Agent Decline to Place Coverage for Someone?
Question from an IIABNY member: We have had a client in the past couple of years cancel for nonpayment on his auto policy. The last two times were for not sufficient funds. He doesn’t qualify for any of our standard markets due to the payment history. If one of the nonstandard companies would ta...
Thanks, Bob! :) Lucy, in a nutshell, Employers Liability here covers an employer's legal liability for injuries to employees when those injuries are not compensable under state Workers' Compensation laws.
Commented May 21, 2012 on Employers Liability Coverage is Unlimited in New York, Except When It's Not at Ask Tim
Employers Liability Coverage is Unlimited in New York, Except When It's Not
Question from an IIABNY member: When a certificate lists employers liability at : 100,000 each accident 500,000 policy limit 100,000 each employee I always tell insured that in New York Employers liability is unlimited per the statute. Do you have something that proves this? Answer: This is ac...
Mark,
Congratulations on winning that battle. Don, I agree, the term "reasonable care" can be nebulous. I'm not a lawyer, but my understanding is that the standard is what an ordinary, reasonable, prudent person would do in that situation. Certainly Mark's insured appears to have met that standard.
Some carriers have had success denying claims in New York based on the "where you reside" clause, but that doesn't seem to be at issue in these situations.
Commented May 10, 2012 on When Is a Home 'Unoccupied' Under a Homeowners Policy? at Ask Tim
When Is a Home 'Unoccupied' Under a Homeowners Policy?
Question from an IIABNY member: In a strict reading on the homeowners policy, after a period of the home not being occupied, coverage becomes limited. The question came up on clients who leave their summer homes in New York to go to their winter residence, such as in Florida. We have a disagreem...
Carson,
Good points. Thanks for posting!
Tim
Commented May 1, 2012 on Friends Don't Let Friends Drive While Sneezing at Ask Tim
Friends Don't Let Friends Drive While Sneezing
Are you driving a car while you have a bad cold? Maybe a bout of flu? You might as well be driving drunk, according to a new study conducted by Young Marmalade, a UK-based car insurance company, and Cardiff University in Wales. Motor safety experts found that the driving skills of people who wer...
Tom,
I agree. There's no substitute for an insurance check at renewal, and that includes a check for changes to the vehicle schedule.
Tim
Commented May 1, 2012 on Does the Business Auto Policy Cover Unregistered Construction Equipment? at Ask Tim
Does the Business Auto Policy Cover Unregistered Construction Equipment?
Question from an IIABNY member: I am hoping you can clarify the following issue. We have several insureds who may incidentally drive a piece of equipment (which is not licensed or registered for road use) along a road. Since this is so incidental, they are willing to take the chance with the N...
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