August Massachusetts has an "anti-cyber bullying" law AN ACT RELATIVE TO BULLYING IN SCHOOLS which defines cyber bullying as:
|
|
- Gyles Crawford
- 6 years ago
- Views:
Transcription
1 TECH TALK Cyber Bullying and Personal Lines Policies... By Irene Morrill, CPCU, CIC, ARM, CRM, CRIS, LIA, CPIW Vice President of Technical Affairs August 2011 As a result of a Tech Talk on the HO policy and Internet Liability in July 2009, I have been asked about "cyber bullying". Hmmmm remember the good old days when the bully just scared or beat up people? There seemed to be FEWER of those types of bullies. It appears to be easier with today s technology to be a cyber bully. Just what constitutes "cyber bullying"? This term is used to describe when a child or teenager is harassed, humiliated, embarrassed, threatened or tormented using digital technology. Massachusetts has an "anti-cyber bullying" law AN ACT RELATIVE TO BULLYING IN SCHOOLS which defines cyber bullying as: Cyber-bullying, bullying through the use of technology or any electronic communication, which shall include, but shall not be limited to, any transfer of signs, signals, writing, images, sounds, data or intelligence of any nature transmitted in whole or in part by a wire, radio, electromagnetic, photo electronic or photo optical system, including, but not limited to, electronic mail, internet communications, instant messages or facsimile communications. Cyber-bullying shall also include (i) the creation of a web page or blog in which the creator assumes the identity of another person or (ii) the knowing impersonation of another person as the author of posted content or messages, if the creation or impersonation creates any of the conditions enumerated in clauses (i) to (v), inclusive, of the definition of bullying. Cyber- bullying shall also include the distribution by electronic means of a communication to more than one person or the posting of material on an electronic medium that may be accessed by one or more persons, if the distribution or posting creates any of the conditions enumerated in clauses (i) to (v), inclusive, of the definition of bullying. Some of the forms of cyber bullying can be 1) Sending mean messages or threats to a person's account or cell phone (harassment or cyberstalking) 2) Spreading rumors online or through texts (a form of gossip) 3) Posting hurtful or threatening messages on social networking sites or web pages (cyberthreats) 4) Stealing a person's account info to break into their account and send damaging messages (Impersonation) 5) Pretending to be someone else online to hurt another person (Impersonation) 6) Taking unflattering pictures of a person and spreading them through cell phones or the Internet (harassment) 7) Sexting, or circulating sexually suggestive pictures or messages about a person The Cyberbullying Research Center also did a series of surveys that found these cyber bullying statistics: Over 80 percent of teens use a cell phone regularly, making it the most popular form of technology and a common medium for cyber bullying. Massachusetts Association of Insurance Agents 91 Cedar Street Milford, MA TECH HOTLINE (Fax)
2 TECH TALK PAGE 2 August 2011 About half of young people have experienced some form of cyber bullying, and 10 to 20 percent experience it regularly. Mean, hurtful comments and spreading rumors are the most common type of cyber bullying. Girls are at least as likely as boys to be cyber bullies or their victims. Boys are more likely to be threatened by cyber bullies than girls. What effect does "cyber bullying" have on its victims? Many victimized adolescents and teenagers suffer anxiety, depression and some even commit suicide. The victimized individual or his/her survivors sometimes proceed with civil liability suits against schools, parents of the cyber bully and the media provider where offensive language or pictures published. If the cyber bully and his/her parents are sued, will the HO policy respond? Well, the unendorsed ISO HO policy provides an insured with liability coverage for "bodily injury" and "property damage." COVERAGE E Personal Liability If a claim is made or a suit is brought against an "insured" for damages because of "bodily injury" or "property damage" caused by an "occurrence" to which this coverage applies, we will: The ISO HO policy, whether HO-91, HO-2000 or HO-2011 defines "bodily injury" as: "Bodily injury" means bodily harm, sickness or disease, including required care, loss of services and death that results. Is humiliation, torment, mental anguish or emotional trauma necessarily "bodily injury"? No, though this COULD vary by state. As a general rule of thumb in Massachusetts, these mental states are NOT considered bodily injury. If physical ailments or complications resulted from being emotionally traumatized, would "bodily injury" then have developed? Possibly. The U.S. Center for Disease Control states that cyber bullying can result in mental health problems such as depression, anxiety and headaches. Is suicide resulting from the emotional trauma at being cyber bullied "bodily injury" as defined under the policy? Hmmmmmm. The ISO HO policies define "occurrence" as: "Occurrence" means an accident, including continuous or repeated exposure to substantially the same general harmful conditions, which results, during the policy period, in: a. "Bodily injury"; or b. "Property damage." Is deliberate cyber bullying an "occurrence"? If one deliberately transmits/sends information that gives rise to emotional trauma resulting in "bodily injury"... is that an accident? Or is it a planned event with unplanned results? To reinforce that the HO policy doesn't want to cover planned situations giving rise to BI or PD, there is an intentional injury exclusion.
3 TECH TALK PAGE 3 August 2011 The ISO HO-91 intentional injury exclusion: Coverage E Personal Liability and Coverage F Medical Payments to Others do not apply to "bodily injury" or "property damage": a. Which is expected or intended by the "insured"; This exclusion is not as strict as one might think. The "action" might have been intentional but many courts require that the insurance company prove the insured knew what the intended result would be in order to successfully deny a claim. Bodily injury claims have been paid where the actual injury was worse than the injury intended. Or, the action was intentional, but the wrong (unintended) person got injured and the homeowners company was forced to pay! So, ISO firmed up the intentional injury exclusion in the HO-2000 (and HO-2011) by stating: E. Coverage E Personal Liability And Coverage F Medical Payments To Others Coverages E and F do not apply to the following: 1. Expected Or Intended Injury "Bodily injury" or "property damage" which is expected or intended by an "insured" even if the resulting "bodily injury" or "property damage": a. Is of a different kind, quality or degree than initially expected or intended; or b. Is sustained by a different person, entity, real or personal property, than initially expected or intended. However, this Exclusion E.1. does not apply to "bodily injury" resulting from the use of reasonable force by an "insured" to protect persons or property; This is more of an intentional action exclusion than the earlier ISO HO versions. If the result was WORSE than intended or someone OTHER than intended was injured too bad no coverage. So, IF bodily injury resulted, there is still a problem with coverage for the perpetrator... and certainly a problem for the old-fashioned beating up physical type of bully. Who might be sued? A good lawyer sues EVERYBODY! The parents are generally sued for negligent supervision or vicarious parental responsibility in addition to the child who perpetrates the act. Will the parents have coverage? Again, IF "bodily injury" occurs and IF it is considered an "occurrence", then the HO-91 certainly would respond because, IF the exclusion applies, it ONLY applies to THE insured who expected or intended the situation. Unless the parent directed the action there would be coverage and defense for the parent. In most situations the parent is clueless hence the problem. What about the HO-2000 or HO-2011? Interesting, the exclusion applies to "which is expected or intended by an "insured". In the definition of "insured" the HO-2000 and HO-2011 include the following paragraph: Under both Sections I and II, when the word an immediately precedes the word "insured", the words an "insured" together mean one or more "insureds". What is this the more the merrier? Where "an" precedes the word "insured" it means that multiple insureds could be involved which if we are PROVIDING coverage that could be a good thing but if we are EXCLUDING coverage we've wiped out coverage for any and all that fit the definition of insured with one fell swoop. However, IF "bodily injury" and an "occurrence" have resulted from the actions of the child, I still believe there would be coverage for the parent who was not privy to knowledge of the child's
4 TECH TALK PAGE 4 August 2011 activity. If the parent is not aware of what the child is doing, then the exclusion for intentional action or injury should not apply to the parent. Cyber bullying is more likely to result in libel, slander, defamation of character, humiliation, etc. The unendorsed ISO HO policy does NOT provide liability coverage or defense for these "injuries" and the offenses that created them. The HO policy must be endorsed. The ISO Personal Injury Liability endorsement is HO The ISO HO-91 Personal Injury HO (04/91) version defines "personal injury" as: For an additional premium, under Coverage E Personal Liability, the definition "bodily injury" is amended to include personal injury. "Personal injury" means injury arising out of one or more of the following offenses: 1. False arrest, detention or imprisonment, or malicious prosecution; 2. Libel, slander or defamation of character; or 3. Invasion of privacy, wrongful eviction or wrongful entry. The ISO-HO-2000 Personal Injury HO (04/02 version) defines "personal injury" as DEFINITIONS The following definitions are added: "Personal injury" means injury arising out of one or more of the following offenses, but only if the offense was committed during the policy period: 1. False arrest, detention or imprisonment; 2. Malicious prosecution; 3. The wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room, dwelling or premises that a person occupies, committed by or on behalf of its owner, landlord or lessor; 4. Oral or written publication of material that slanders or libels a person or organization or disparages a person's or organization's goods, products or services; or 5. Oral or written publication of material that violates a person's right of privacy. The ISO HO-2011 Personal Injury HO version states: The following definitions are added: "Personal injury" means injury arising out of one or more of the following offenses, but only if the offense was committed during the policy period: 1. False arrest, detention or imprisonment; 2. Malicious prosecution; 3. The wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room, dwelling or premises that a person occupies, committed by or on behalf of its owner, landlord or lessor; 4. Oral or written publication, in any manner, of material that slanders or libels a person or organization or disparages a person's or organization's goods, products or services; or 5. Oral or written publication, in any manner, of material that violates a person's right of privacy. The various endorsement editions are "substantially" the same. In the HO-2000 filing, ISO states that there are some broadenings and some reductions in coverage, but ISO states in its filing that: taken as a whole, the revised Personal Injury coverage is at least equal to, if not broader than, that which is currently (HO-91) provided.
5 TECH TALK PAGE 5 August 2011 Personal injury exclusions: The HO-91 endorsement has the fewest exclusions and the only one that could apply is: 2. Injury caused by a violation of a penal law or ordinance committed by or with the knowledge or consent of an "insured"; I think the injury was caused by what was said, ed, written, etc., NOT by a violation of law or ordinance. It does so happen now that there IS a cyber law but violation of it was NOT what caused the victims emotional pain or angst. The action of cyber bullying caused the defamation of character, the libel and the invasion of privacy. But, will the 1991 version apply to cyber libel? Dictionary.com states the definition of libel as: 1. Law. a. defamation by written or printed words, pictures, or in any form other than by spoken words or gestures. b. the act or crime of publishing it. c. a formal written declaration or statement, as one containing the allegations of a plaintiff or the grounds of a charge. 2. anything that is defamatory or that maliciously or damagingly misrepresents. Is information on the Internet or text messages actually considered "written"? One can argue the "or in any form OTHER than spoken though. The ISO HO-2000 and HO-2011 endorsements have MORE EXCLUSIONS that might preclude coverage: 1. "Personal Injury": a. Caused by or at the direction of an "insured" with the knowledge that the act would violate the rights of another and would inflict "personal injury"; b. Arising out of oral or written publication of material, if done by or at the direction of an "insured" with knowledge of its falsity; c. Arising out of oral or written publication of material whose first publication took place before the beginning of the policy period; d. Arising out of a criminal act committed by or at the direction of an "insured"; Oh oh. The older the perpetrator the more problem with the "a" exclusion. At what age should one be aware that one is violating the rights of another and knowingly inflicting "personal injury?" Certainly, the "b" exclusion should apply if one is writing false things. However, in my research on the web, I found cyber bullying where one individual gained the confidence of another and then let the WORLD know that individual's innermost secrets. So, the information divulged was true and of the type that the victim wanted to remain private. If something was entered onto the Internet last month and the personal injury endorsement was added today oops a little too late according to exclusion "c". There is now a criminal act exclusion, but did the libel arise out of the criminal act or was libeling in a cyber bully way merely a criminal act. Coverage for the "innocent" parent under the Personal Injury endorsements Perhaps there might NOT be coverage for the child/teenager perpetrator, but when the parent is sued for negligent supervision, there will be coverage and defense for the parent. The HO-91 refers us back to the Section II insuring agreement as the definition if "personal injury" is added to the "bodily injury" definition.
6 TECH TALK PAGE 6 August 2011 Under the HO-2000 (04/02) and the HO-2011 versions, the endorsement is separate from "bodily injury" and contains its own insuring agreement which reads as follows: SECTION II LIABILITY COVERAGES A. Coverage E Personal Liability The following is added to Coverage E Personal Liability Personal Injury Coverage If a claim is made or suit is brought against an "insured" for damages resulting from an offense, defined under "personal injury", to which this coverage applies, we will: So, the innocent parent should find coverage. What about the Personal Umbrella? Good question. One would have to read it to determine whether there is coverage. Most personal umbrella carriers require that the personal injury endorsement be added to the underlying homeowners policy. If there is no requirement, then personal injury could be a "broadening" of coverage provided by the umbrella. Read it to see what is covered. If the umbrella requires the underlying limit be purchased under the HO policy, then make sure this is done. Then, read the "personal injury" definition and exclusions in the umbrella to see if coverage is the same as, broader, or more restrictive than the underlying HO policy endorsement. The ISO 2006 Personal Umbrella defines personal injury much like the HO-2000 HO policy: "Personal injury" means injury arising out of one or more of the following offenses, but only if the offense was committed during the policy period: 1. False arrest, detention or imprisonment; 2. Malicious prosecution; 3. The wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room, dwelling or premises that a person occupies, committed by or on behalf of its owner, landlord or lessor; 4. Oral or written publication of material that slanders or libels a person or organization or disparages a person's or organization's goods, products or services; or 5. Oral or written publication of material that violates a person's right of privacy. and the exclusions are similar to the HO-2000, so that if the underlying HO paid, then the Personal Umbrella will pay also. Beware of personal umbrella exclusions The AAIS (American Association of Insurance Services) personal umbrella will have an "electronic aggression" exclusion in it as of 10/1/2011. The article (on the AAIS website) states the exclusion applies to any damage or injury arising from, but not limited to, harassment or bullying committed by electronic means or through an electronic forum. What do YOUR personal umbrellas exclude? Personal injury aggregate limit endorsement The ISO HO-2011 filing will offer a second personal injury liability endorsement, but this one will have an aggregate limit restriction. More information on cyber bullying or electronic aggression The US Center for Disease Control has much information for parents, schools and researchers. Also, there are various respectable websites loaded with information on this "hot topic" - just a "google" away.
7 TECH TALK PAGE 7 August 2011 Current Texas lawsuit filed June 2011 A girl was the subject of a "nasty video" posted on Facebook. The parent of the girl went to the parents of the perpetrators and told them to cease and desist AND to donate a minimum of $5,000 each to the Center for Safe and Responsible Internet Use, an Oregon non-profit organization. The parents ignored this father. Oh, did I not mention that this father was a Houston, TX LAWYER. These perpetrators and parents are now being sued for making defamatory and false statements that "impute sexual impropriety and misconduct" on his daughter. The complaint also alleged that the video includes threats to physically harm the girl. I hope that each family has an HO policy with personal injury coverage. Otherwise, the defense cost of the lawsuit will most probably be MORE than the $5000 suggested donation. And, if they lose the cost of the lawsuit and the judgment could be detrimental to their lifestyles. I hope all of your clients with children or any client who enjoys , Facebook, blogs, etc., have the personal injury endorsement added to their HO policies and also Personal Umbrella coverage. It is an UGLY world out there, and insurance is ALWAYS cheaper than an excluded or not-covered loss. * * * * Good luck. If I can be of service to you, please call me, Irene Morrill, Vice President of Technical Affairs at or me at imorrill@massagent.com. This article has been developed expressly for the members of MAIA. Reprint by other than members without the express permission of the author is not permitted.
Irene Morrill, CPCU, CIC, ARM, CRM, CRIS, LIA, CPIW Vice President of Technical Affairs
TECH TALK Insuring a Personal Condo Under the Dwelling Policy... and Why Would You? November 2016 Irene Morrill, CPCU, CIC, ARM, CRM, CRIS, LIA, CPIW Vice President of Technical Affairs An agent lamented
More informationWhy in the World Does an Insured Need an Umbrella Policy For and Why Should We Sell One
Why in the World Does an Insured Need an Umbrella Policy For and Why Should We Sell One Sponsored By: Why in the World Does an Insured Need an Umbrella Policy For and Why Should We Sell One Please turn
More informationIrene Morrill, CPCU, CIC, ARM, CRM, CRIS, LIA, CPIW Vice President of Technical Affairs
TECH TALK Commercial Risks and Auto Non-Ownership Issues Irene Morrill, CPCU, CIC, ARM, CRM, CRIS, LIA, CPIW Vice President of Technical Affairs March 2016 Happy daylight savings time and Spring! We all
More informationGolf Carts and Campgrounds... Is There HO Coverage?
TECH TALK Golf Carts and Campgrounds... Is There HO Coverage? July 2012 By Irene Morrill, CPCU, CIC, ARM, CRM, CRIS, LIA CPIW Vice President of Technical Affairs If it s summer, then it must be time to
More informationJune It's almost "D" Day... July 1st when Chapter 453 of the Acts of 2008 becomes effective. The new law affects your homeowners in two ways.
TECH... TALK Homeowners and the New MA Oil Law Requirement By Irene Morrill, CPCU, CIC, ARM, CRM, CRIS, LIA, CPIW Vice President of Technical Affairs June 2010 It's almost "D" Day... July 1st when Chapter
More informationPer the Claim, on or about October 12, 2013, Ms. Latham was shot. The Claim provides no other details of the allegations.
Nicolyn Harris Major Case Specialist P.O. Box 65100 San Antonio, TX 78265 Telephone: (210) 525-3650 Facsimile: (800) 931-1018 E-mail: nharris3@travelers.com c/o Chet Adams City Attorney 431 Prater Way
More informationIrene Morrill, CPCU, CIC, ARM, CRM, CRIS, LIA, CPIW Vice President of Technical Affairs
TECH TALK Dwelling Fire v. BOP for Rental Properties... Is there a difference? Irene Morrill, CPCU, CIC, ARM, CRM, CRIS, LIA, CPIW Vice President of Technical Affairs January 2016 I am periodically asked
More informationIrene Morrill, CPCU, CIC, ARM, CRM, CRIS, LIA, CPIW Vice President of Technical Affairs
TECH TALK Permitted Incidental Occupancy Endorsement HO 04 42 and the HO Policy -- What Does it Do For You? Irene Morrill, CPCU, CIC, ARM, CRM, CRIS, LIA, CPIW Vice President of Technical Affairs So Tech
More informationCasualty (Liability) Basics
3 Casualty (Liability) Basics LEARNING OBJECTIVES Upon the completion of this chapter, you will be able to: 1. Define basic casualty or liability insurance terms 2. Recognize the liability insurance principles
More informationGlossary of Malpractice Insurance Terms
Glossary of Malpractice Insurance Terms To help you have a better understanding of Malpractice Insurance terms, this glossary has two sections. The first section contains definitions of general malpractice
More informationTHE MOST FREQUENT CLAIMS BROUGHT AGAINST HOTELS AND HOW TO PREVENT THEM v Anderson Kill P.C. All Rights Reserved.
THE MOST FREQUENT CLAIMS BROUGHT AGAINST HOTELS AND HOW TO PREVENT THEM 1 Allen Wolff Shareholder, Anderson Kill Insurance Lawyer Construction Lawyer Trial Lawyer 2 Disclaimer The views expressed by the
More informationExample: Swimming pools, ladders, refrigerators with doors left on, trampolines, and other kinds of property around a business or home.
Chapter Three Casualty (Liability) Basics LEARNING OBJECTIVES Upon the completion of this chapter, you will be able to: 1. Define basic casualty or liability insurance terms 2. Recognize the liability
More informationEMPLOYEE BENEFITS LIABILITY COVERAGE FORM
EMPLOYEE BENEFITS LIABILITY COVERAGE FORM THIS COVERAGE FORM PROVIDES CLAIMS-MADE COVERAGE. PLEASE READ THE ENTIRE FORM CAREFULLY. SECTION I EMPLOYEE BENEFITS LIABILITY COVERAGE 1. Insuring Agreement a.
More informationEducation ProgramS. r The DOC (drive other car) v. Use of Other Auto... Endorsements
Education ProgramS r The DOC (drive other car) v. Use of Other Auto... Endorsements DOC v. Use of Other Auto what do they do and what do you need? with Irene Morrill, CPCU, CIC, ARM, CRM, LIA, CPIW Vice
More informationSPECIAL EXCLUSIONS AND LIMITATIONS ENDORSEMENT
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SPECIAL EXCLUSIONS AND LIMITATIONS ENDORSEMENT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY
More informationRULE 27. PRIVATE PASSENGER DEFINITION
TECH TALK Is Being "Eligible" the ONLY Issue to Consider? BAP v. MAP and the Business Exposure By Irene Morrill, CPCU, CIC, ARM, CRM, CRIS, LIA, CPIW Vice President of Technical Affairs November 2011 So
More informationDIRECTORS AND OFFICERS LIABILITY COVERAGE Claims-Made Coverage
DIRECTORS AND OFFICERS LIABILITY COVERAGE Claims-Made Coverage NOTICE: This is a claims-made coverage. Except as may be otherwise provided herein, this coverage is limited to liability for only those suits
More informationUNITED STATES DISTRICT COURT NORTHERN DISTRICT OF ILLINOIS EASTERN DIVISION ) ) ) ) ) ) ) ) ) ) ) ) Case No.: COMPLAINT FOR DECLARATORY RELIEF
UNITED STATES DISTRICT COURT NORTHERN DISTRICT OF ILLINOIS EASTERN DIVISION ARCH INSURANCE COMPANY, a Missouri corporation, Plaintiff, v. MICHAELS STORES, INC.; a Delaware Corporation, and DOES 1-50, inclusive,
More informationPRESENTERS. Todd Seiders. Allen R, Wolff, Esq. Director of Loss Control for Petra Risk Solutions. Shareholder, Anderson Kill, P.C.
PRESENTERS Todd Seiders Director of Loss Control for Petra Risk Solutions oversees the risk management and claims departments for approximately 3400 hotels, resorts and spas nationwide extensive hands
More informationUNIGARD INSURANCE COMPANY MONTANA PERSONAL UMBRELLA MANUAL
UNIGARD INSURANCE COMPANY MONTANA PERSONAL UMBRELLA MANUAL Montana Personal Lines Personal Umbrella i Application Binding Coverage Increased Limits Limits of Liability Introduction Policy Term Premium
More informationEMPLOYMENT PRACTICES LIABILITY ISSUES
EMPLOYMENT PRACTICES LIABILITY ISSUES Diana L. Faust COOPER & SCULLY, P.C. Founders Square 900 Jackson Street, Suite 100 Dallas, Texas 75202 (214) 712-9500 (214) 712-9540 (fax) Second Annual Employment
More informationEmployed Lawyers Liability Coverage Part
Employed Lawyers Liability Coverage Part In consideration of the payment of the premium and subject to all terms, conditions and limitations of this Coverage Part and the General Terms and Conditions for
More informationHEALTHCARE PROVIDERS PROFESSIONAL LIABILITY COVERAGE PART CLAIMS-MADE
HEALTHCARE PROVIDERS PROFESSIONAL LIABILITY COVERAGE PART CLAIMS-MADE THIS IS A CLAIMS-MADE COVERAGE PART AND, SUBJECT TO ITS PROVISIONS, APPLIES ONLY TO THOSE CLAIMS WHICH ARE THE RESULT OF MEDICAL INCIDENTS
More informationUSA Volleyball, United States Volleyball Association, United States Volleyball, Inc. ( USAV ), USA Volleyball Foundation
INSURANCE PROGRAM USA Volleyball administers a medical and liability insurance program customized specifically for the sport of volleyball. It is designed to respond specifically to the inherent hazards
More informationUSAV registered clubs, but only with respects to activities sanctioned or approved by USAV or its RVA.
INSURANCE PROGRAM USA Volleyball administers a medical and liability insurance program customized specifically for the sport of volleyball. It is designed to respond specifically to the inherent hazards
More informationWashington Personal Lines Personal Umbrella Manual
Washington Personal Umbrella Personal Lines Personal Umbrella Manual QBE and the links logo are registered service marks of QBE Insurance Group Limited. All coverages underwritten by member companies of
More informationUmbrella Liability Coverage
Umbrella Liability Coverage Analyses Workbook 3rd Edition TP.indd 1 5/5/06 7:02:57 PM At press time, this edition contains the most complete and accurate information currently available. Owing to the nature
More informationConsultants Professional Liability Coverage Part SPECIMEN
I. What is covered We will pay up to the coverage part limit for damages and claim expenses in excess of the retention for covered claims against you alleging a negligent act, error, or omission in your
More informationSAMPLE ADVISORY NOTICE TO POLICYHOLDERS EXPLANATORY MEMORANDUM
PERSONAL LIABILITY SUPPLEMENT TO THE DWELLING POLICY PROGRAM (2002 EDITION) SAMPLE ADVISORY NOTICE TO POLICYHOLDERS EXPLANATORY MEMORANDUM It has been a general practice for ISO to make available to its
More informationPERSONAL UMBRELLA INSURANCE
UMB-21 Ed. 9/03 PERSONAL UMBRELLA INSURANCE AGREEMENT We provide Personal Umbrella Insurance and those added coverages described in this policy during the policy period in return for your payment of the
More informationForeFront Portfolio SM For Not-for-Profit Organizations Directors & Officers. Insuring Clauses
In consideration of payment of the premium and subject to the Declarations, the General Terms and Conditions, and the limitations, conditions, provisions and other terms of this Coverage Section, the Company
More informationInsuring your online world, even when you re offline. Masterpiece Cyber Protection
Insuring your online world, even when you re offline Masterpiece Cyber Protection Protect your online information from being an open network 97% of Chubb clients who had a claim paid were highly satisfied
More informationAdvantage. We agree that the following Additional Coverages and Extensions of Coverage are made a part of your Homeowners Policy:
Advantage We agree that the following Additional Coverages and Extensions of Coverage are made a part of your Homeowners Policy: SECTION I - PROPERTY COVERAGES COVERAGE C - Personal Property: The Special
More informationExperience Protection Insurance Summary
Experience Protection Insurance Summary UPDATED ON NOVEMBER 16, 2016 LEARN MORE 1 of 9 COVERAGE What is Experience Protection Insurance? The Experience Protection Insurance Program ( EPI ) covers Experience
More informationUNITED STATES DISTRICT COURT SOUTHERN DISTRICT OF FLORIDA PALM BEACH DIVISION. CASE NO.: 9:15-cv-81685
Case 9:15-cv-81685-DMM Document 15 Entered on FLSD Docket 01/20/2016 Page 1 of 13 UNITED STATES DISTRICT COURT SOUTHERN DISTRICT OF FLORIDA PALM BEACH DIVISION CASE NO.: 9:15-cv-81685 THE PRINCETON EXCESS
More informationPrivate Investment Fund Liability Insurance Management and Professional Liability Coverage Part
I. Insuring agreements We will pay loss in excess of any applicable retention resulting from claims against you for a wrongful act as follows, provided the claim is first made against you and reported
More informationEmployment Practices Liability Insurance Coverage Section
Employment Practices Liability Insurance Coverage Section CLAIMS MADE NOTICE FOR POLICY NOTICE: THIS POLICY PROVIDES COVERAGE ON A CLAIMS MADE AND REPORTED BASIS SUBJECT TO ITS TERMS. THIS POLICY APPLIES
More informationDirectors, Officers and Corporate Liability Insurance Coverage Section
Directors, Officers and Corporate Liability Insurance Coverage Section CLAIMS MADE NOTICE FOR POLICY NOTICE: THIS POLICY PROVIDES COVERAGE ON A CLAIMS MADE AND REPORTED BASIS SUBJECT TO ITS TERMS. THIS
More informationTHIS IS A CLAIMS MADE AND REPORTED POLICY. PLEASE READ IT CAREFULLY. (hereinafter referred to as the Insurer) Sample
NON-PROFIT ORGANIZATION DIRECTORS AND OFFICERS LIABILITY DECLARATIONS COMPANY SYMBOL POLICY PREFIX & NUMBER Corporate Office 945 E. Paces Ferry Rd. Suite 1800 Atlanta, GA 30326 THIS IS A CLAIMS MADE AND
More informationHO MOTORIZED VEHICLES - THE GOOD, THE BAD OR THE UGLY?
HO 2011 - MOTORIZED VEHICLES - THE GOOD, THE BAD OR THE UGLY? Homeowners 2011- Motorized Vehicles The Good, Bad and Ugly? Robin Federici, CPCU, AAI, ARM, AINS, AIS, CPIW PO BOX 781 NORTH KINGSTOWN, RI
More informationTHIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MEDIA LIABILITY COVERAGE INTEGRATED TECH CLAIMS MADE CLAIM EXPENSES INCLUDED WITHIN THE LIMITS OF INSURANCE This endorsement modifies the
More informationMUTUAL FUND MANAGEMENT AND PROFESSIONAL LIABILITY COVERAGE PART
MUTUAL FUND MANAGEMENT AND PROFESSIONAL LIABILITY COVERAGE PART THIS IS A CLAIMS MADE COVERAGE PART WITH DEFENSE EXPENSES INCLUDED IN THE LIMIT OF LIABILITY. PLEASE READ AND REVIEW THE POLICY CAREFULLY.
More informationACCOUNTANTS PROFESSIONAL LIABILITY POLICY LIMITED COVERAGE (CLAIMS-MADE)
CPA Mutual Insurance Company of America Risk Retention Group Burlington, Vermont ACCOUNTANTS PROFESSIONAL LIABILITY POLICY LIMITED COVERAGE (CLAIMS-MADE) This Policy provides professional liability protection
More informationPROFESSIONAL LIABILITY US DIRECT. Specimen ERRORS AND OMISSIONS INSURANCE. Hiscox Inc. All rights reserved. DPL P001 CW (05/13)
INSURANCE ABOUT THIS POLICY The Hiscox Professional Liability US Direct policy is designed to offer coverage for the risks entities face in performing their Professional Services. We urge You to read this
More informationANSWERS TO THE QUESTIONS IN THE COURSE GUIDE CPCU nd Edition CONTENTS. Assignment Title Page
ANSWERS TO THE QUESTIONS IN THE COURSE GUIDE CPCU 552 2 nd Edition 2015-2016 CONTENTS Assignment Title Page 1 Introduction to Commercial 7 Liability Insurance 2 Commercial General Liability 28 Insurance,
More informationChapter 2. Risk Identification. Enterprise Risk Management. Employment. Chapter 3 Page 1
Chapter 2 Risk Identification Enterprise Risk Management Ultimate Objective of ERM is to handle risks that is harmonious with the strategic plan. Making pre loss arrangements for post loss resources. Need
More informationDebt Collection & the Fair Debt Collection Practice Act (FDCPA)
Debt Collection & the Fair Debt Collection Practice Act (FDCPA) Please note that this Information Paper only provides basic information and is not intended to serve as a substitute for personal consultations
More informationThe Disconnect Between Personal Insurance and The High Net Worth
The Disconnect Between Personal Insurance and The High Net Worth Prepared By: Chip Gibson, CEO Deland, Gibson Insurance Associates, Inc. 36 Washington Street Wellesley hills, MA 02481 The Disconnect Between
More informationC/C/C and You Just What DOES Property Damage Liability Cover (or Not)?
C/C/C and You Just What DOES Property Damage Liability Cover (or Not)? C/C/C and you... just what DOES property damage liability cover or not Irene Morrill, CPCU, CIC, ARM, CRM, CRIS, LIA, CPIW VP Technical
More informationUNITED STATES DISTRICT COURT SOUTHERN DISTRICT OF FLORIDA PALM BEACH DIVISION. CASE NO.: 9:15-cv-81685
UNITED STATES DISTRICT COURT SOUTHERN DISTRICT OF FLORIDA PALM BEACH DIVISION CASE NO.: 9:15-cv-81685 THE PRINCETON EXCESS AND SURPLUS LINES INSURANCE COMPANY, a Delaware corporation, v. Petitioner, DM
More informationUNIVERSITY OF ILLINOIS LIABILITY SELF-INSURANCE PLAN
UNIVERSITY OF ILLINOIS LIABILITY SELF-INSURANCE PLAN First adopted: August 1, 1976 Amended: March 21, 1985 Further amended: July 1, 1992 November 2, 2002 September 6, 2007 June 9, 2011, with an effective
More information(insert name of product) EMPLOYMENT PRACTICES LIABILITY COVERAGE PART
(insert name of product) EMPLOYMENT PRACTICES LIABILITY COVERAGE PART I. INSURING AGREEMENTS (A) Employment Practices Liability The Insurer shall pay Loss on behalf of the Insureds resulting from an Employment
More informationAdvantage. We agree that the following Additional Coverages and Extensions of Coverage are made a part of your Homeowners Policy:
Advantage We agree that the following Additional Coverages and Extensions of Coverage are made a part of your Homeowners Policy: SECTION I - PROPERTY COVERAGES COVERAGE C - Personal Property: The Special
More informationCasualty (Liability) Basics
3 Casualty (Liability) Basics OVERVIEW This chapter represents the foundation of liability insurance and discusses the various terms, definitions, principles, and concepts used in liability policies. A
More informationThis Webcast Will Begin Shortly
This Webcast Will Begin Shortly If you have any technical problems with the Webcast or the streaming audio, please contact us via email at: webcast@acc.com Thank You! 1 Insurance Coverage for Marketing
More informationI m sure many of you have had your fill of flood insurance but... just a few interesting tidbits of information.
TECH TALK Water Back-Up and Sump Discharge or Overflow Endorsement Who Needs It? By Irene Morrill, CPCU, CIC, ARM, CRM, LIA, CPIW Vice President of Technical Affairs Email Delivery of Publications In support
More informationSocial Media Business Opportunities and the personal lines client
Social Media Business Opportunities and the personal lines client with Irene Morrill, CPCU, CIC, ARM, CRM, LIA, CPIW Vice President of Technical Affairs Massachusetts Association of Insurance Agents This
More informationEmployment Practices Liability Coverage Section
This Employment Practices Liability Coverage Section only applies if shown as purchased on the Schedule. AIG PrivateEdge Employment Practices Liability Coverage Section In consideration of the payment
More informationSTATE OF MICHIGAN COURT OF APPEALS
STATE OF MICHIGAN COURT OF APPEALS RANDALL WYLIN, MICHELE WYLIN and IDEAL MORTGAGE CORPORATION, UNPUBLISHED October 18, 2005 Plaintiffs-Appellants, v No. 255669 Wayne Circuit Court AUTO OWNERS INSURANCE
More informationMISCELLANEOUS PROFESSIONAL LIABILITY INSURANCE POLICY
MISCELLANEOUS PROFESSIONAL LIABILITY INSURANCE POLICY CLAIMS MADE IMPORTANT NOTICE CLAIM EXPENSE IS INCLUDED IN THE LIMIT OF INSURANCE AND THE RETENTION. ALL WORDS OR PHRASES, OTHER THAN CAPTIONS, PRINTED
More informationEMPLOYMENT PRACTICES LIABILITY COVERAGE PART TABLE OF CONTENTS
1. INSURING AGREEMENTS 2. DEFINITIONS 3. EXCLUSIONS 4. OTHER INSURANCE EMPLOYMENT PRACTICES LIABILITY COVERAGE PART TABLE OF CONTENTS 1. INSURING AGREEMENTS A. Employment Practices Liability EMPLOYMENT
More informationPAL PACK ENDORSEMENT HOMEOWNERS
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PAL PACK ENDORSEMENT HOMEOWNERS HOMEOWNERS This endorsement modifies coverage provided under the following forms: HO 00 03: Homeowners 3 Special
More informationCOURT OF APPEALS FAIRFIELD COUNTY, OHIO FIFTH APPELLATE DISTRICT : :
[Cite as G & K Management Servs., Inc. v. Owners Ins. Co., 2014-Ohio-5497.] COURT OF APPEALS FAIRFIELD COUNTY, OHIO FIFTH APPELLATE DISTRICT G & K MANAGEMENT SERVICES, : JUDGES: INC., ET AL. : : : Hon.
More informationCyber Exposures: The Importance of Risk Identification and Transfer. Presented By: Joe Weipert
Cyber Exposures: The Importance of Risk Identification and Transfer Presented By: Joe Weipert The Complexity of Cyber Risk and its Severity My Goal Today: Getting Your Attention in 30 Minutes Average Claim
More informationLiability Insurance: Top Ten Facts Every In-House Counsel Should Know
Liability Insurance: Top Ten Facts Every In-House Counsel Should Know Presentation for Association of Corporate Counsel Presented by Osborne & Nesbitt LLP Top Ten Facts 1. Claims Typically Covered 2. Occurrence
More informationEmployment Practices Liability Coverage Element Declarations
Wesco Insurance Company 800 Superior Ave E., 21 st Floor Cleveland, OH 44114 Employment Practices Liability Coverage Element Declarations 1. NAMED INSURED: 2. POLICY PERIOD: Inception: Expiration: The
More informationTHIS IS A CLAIMS-MADE COVERAGE WITH DEFENSE EXPENSES INCLUDED IN THE LIMIT OF LIABILITY. PLEASE READ ALL TERMS CAREFULLY.
MISCELLANEOUS PROFESSIONAL LIABILITY THIS IS A CLAIMS-MADE COVERAGE WITH DEFENSE EXPENSES INCLUDED IN THE LIMIT OF LIABILITY. PLEASE READ ALL TERMS CAREFULLY. I. INSURING AGREEMENTS II. A.
More informationLIBERTY INSURANCE UNDERWRITERS, INC. (The Liberty Mutual Group)
AGENTS AND BROKERS PROFESSIONAL LIABILITY POLICY The words You, Your and Yours mean the Insured and the words We, Us, and Our refer to the company providing this insurance. In consideration of the payment
More information1. a negligent act, error or omission; 2. false arrest, detention or imprisonment; 3. malicious prosecution; 4. the wrongful eviction from, wrongful e
IRONSHORE SPECIALTY INSURANCE COMPANY One State Street Plaza 7th Floor New York, NY 10004 Toll Free: (877) IRON411 Policy Number: Insured Name: ARCHITECTS AND ENGINEERS PROFESSIONAL LIABILITY INSURANCE
More informationEMPLOYMENT-RELATED PRACTICES LIABILITY ENDORSEMENT
POLICY NUMBER: BUSINESSOWNERS BP 05 89 01 06 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYMENT-RELATED PRACTICES LIABILITY ENDORSEMENT This endorsement modifies insurance provided
More informationCASUALTY TERMS, PROVISIONS AND CONDITIONS
CASUALTY TERMS, PROVISIONS AND CONDITIONS Casualty Insurance is that type of insurance that is primarily concerned with losses caused by injuries to persons and the legal liability imposed upon the insured
More informationABUSE OR MOLESTATION LIABILITY COVERAGE PART
ABUSE OR MOLESTATION LIABILITY COVERAGE PART PLEASE READ THE ENTIRE FORM CAREFULLY. ABUSE OR MOLESTATION AM 00 01 06 10 Various provisions in this coverage part restrict coverage. Read the entire coverage
More informationBAP v. If you have the choice.
BAP v. MAP If you have the choice. with Irene Morrill, CPCU, CIC, ARM, CRM, LIA, CPIW Vice President of Technical Affairs Massachusetts Association of Insurance Agents This program is designed to provide
More informationVI. DIRECTORS AND OFFICERS COVERAGE
VI. DIRECTORS AND OFFICERS COVERAGE Entertainment & Sports Insurance Experts, Inc. 5560 New Northside Drive, Suite 640 Atlanta, GA 30328 Phone: 678-324-3300 800-342-4371 Fax: 678-324-3303 50 USA VOLLEYBALL
More informationPRIVATE COMPANY EMPLOYMENT PRACTICES LIABILITY DECLARATIONS
PRIVATE COMPANY EMPLOYMENT PRACTICES LIABILITY DECLARATIONS COMPANY SYMBOL POLICY PREFIX & NUMBER Corporate Office 945 E. Paces Ferry Rd. Suite 1800 Atlanta, GA 30326 THIS IS A CLAIMS MADE AND REPORTED
More informationSTYSA Insurance Program & Managing Your Club s Risk. pullenins.com
STYSA Insurance Program & Managing Your Club s Risk pullenins.com Types of Policies STYSA Provides General Liability Excess / Umbrella Liability Excess Accident Medical D&O Insurance Does NOT Provide Commercial
More informationASPEN AMERICAN INSURANCE COMPANY
ASPEN AMERICAN INSURANCE COMPANY THIS IS A CLAIMS MADE AND REPORTED POLICY. CLAIM EXPENSES ARE WITHIN AND REDUCE THE LIMIT OF LIABILITY. PLEASE READ THE ENTIRE POLICY CAREFULLY. LAWYERS PROFESSIONAL LIABILITY
More informationEMPLOYMENT PRACTICES LIABILITY POLICY
EMPLOYMENT PRACTICES LIABILITY POLICY THIS IS A CLAIMS MADE POLICY WITH DEFENSE EXPENSES INCLUDED IN THE LIMIT OF LIABILITY. PLEASE READ AND REVIEW THE POLICY CAREFULLY. In consideration of the payment
More informationPERSONAL LIABILITY INSURANCE
PERSONAL LIABILITY INSURANCE Definitions... 2 Bodily Injury and Property Damage... 4 Exclusions... 4 Personal Injury... 5 Exclusions... 6 Medical Payments to Others... 6 Exclusions... 6 Supplementary Payments
More informationGeneral Liability Claims-Made For Life Sciences
General Liability Claims-Made For Life Sciences Table Of Contents Section Page Coverages 3 Investigation, Defense And Settlements 7 Supplementary Payments 7 Coverage Territory 7 Who Is An Insured 8 Limits
More informationWorkers Compensation and the HO Policy
Workers Compensation and the HO Policy Sponsored By: WORKERS COMPENSATION & THE HO POLICY Robin Federici, CPCU, AAI, ARM, AINS, AIS, CPIW WORKERS COMPENSATION (WC) LAW WC insurance is unique in that it
More informationCase: 1:17-cv Document #: 62 Filed: 01/22/18 Page 1 of 35 PageID #:1692
Case: 1:17-cv-03083 Document #: 62 Filed: 01/22/18 Page 1 of 35 PageID #:1692 IN THE UNITED STATES DISTRICT COURT FOR THE NORTHERN DISTRICT OF ILLINOIS EASTERN DIVISION GREAT AMERICAN INSURANCE COMPANY,
More informationHost Protection Insurance Summary
Host Protection Insurance Summary UPDATED ON June 27, 2016 LEARN MORE 1 of 10 COVERAGE What is Host Protection Insurance? The Host Protection Insurance Program ( HPI Program ) covers Hosts, in certain
More informationCommercial General Liability Guide
AGENT MATERIAL Hanover Education Advantage Commercial General Liability Guide EDUCATION ADVANTAGE Smart schools choose smart coverage. Can your institution afford to be without the best protection? Check
More informationif such offense is committed within the United States of America, its territories or possessions, or Canada.
This Certificate is issued in accordance with the limited authorization granted under Contract to the Correspondent by certain Underwriters at Lloyd's, London, whose names and the proportions underwritten
More informationSpecimen. Private Company Management Liability Insurance Policy Employment Practices Liability Coverage Part ( EPLI Coverage Part )
In consideration of the premium charged and in reliance upon the statements made by the Insureds in the Application, which forms a part of this Policy, the Insurer agrees as follows: I. Insuring Agreements
More informationALLIED HEALTHCARE PROVIDERS PROFESSIONAL AND SUPPLEMENTAL LIABILITY INSURANCE POLICY
ALLIED HEALTHCARE PROVIDERS PROFESSIONAL AND SUPPLEMENTAL LIABILITY INSURANCE POLICY Various provisions in this policy restrict coverage. Read the entire policy carefully to determine your rights, duties
More informationThat Council pass an Indemnification By-law in the form comprising Attachment 1 to Report FIN
Public Report To: From: Report Number: Finance Committee David J. Potts, City Solicitor, Legal Services FIN-15-72 Date of Report: October 19, 2015 Date of Meeting: October 29, 2015 Subject: Indemnification
More informationFLORIDA STATE UNIVERSITY ALUMNI ASSOCIATION SEMINOLE CLUBS & CHAPTERS INSURANCE AND CLAIM MANUAL
FLORIDA STATE UNIVERSITY ALUMNI ASSOCIATION SEMINOLE CLUBS & CHAPTERS INSURANCE AND CLAIM MANUAL EFFECTIVE FOR THE ANNUAL TERM: AUGUST 1, 2013 AUGUST 1, 2014 Prepared by: TABLE OF CONTENTS Introduction...
More informationQQ, WDYT CGL. (Quick Question, What Do You Think) sponsored by
QQ, WDYT (Quick Question, What Do You Think) CGL sponsored by QQ WDYT CGL with Irene Morrill, CPCU, CIC, ARM, CRM, LIA, CRIS, CPIW Vice President of Technical Affairs Massachusetts Association of Insurance
More informationThe homeowner or business policy may include personal injury coverage. Exactly what does that include, and is it illusory coverage?
Illusory coverage The homeowner or business policy may include personal injury coverage. Exactly what does that include, and is it illusory coverage? BY E. GERARD MANNION, WESLEY M. LOWE, AND DEMIAN I.
More informationMay 9, Downtown San Leandro Community Benefit District-Request for Proposal
May 9, 2014 Re: Downtown San Leandro Community Benefit District-Request for Proposal Dear Graphic Design Firm: You are invited to participate in the bid process for providing a graphic Identity package
More informationSPECIMEN. Power Source SM Employment Practices Liability Coverage Section
In consideration of payment of the premium and subject to the Declarations, General Terms and Conditions, and the limitations, conditions, provisions and other terms of this Coverage Section, the Company
More informationManagement Liability Insurance Policy Employed Lawyers Liability Coverage Part ( ELAW Coverage Part )
In consideration of the premium charged and in reliance upon the statements made by the Insureds in the Application, which forms a part of this Policy, the Insurer agrees as follows: I. Insuring Agreements
More informationCoverages 3. Investigation, Defense And Settlements 7. Supplementary Payments 7. Coverage Territory 8. Who Is An Insured 8. Limits Of Insurance 15
General Liability (Including Products-Completed Operations Liability Coverage Claims-Made) For Life Sciences Table Of Contents Section Page Coverages 3 Investigation, Defense And Settlements 7 Supplementary
More informationMUNICIPAL LIABILITY: WHAT EVERY MANAGER SHOULD KNOW. January 22, 2016
MUNICIPAL LIABILITY: WHAT EVERY MANAGER SHOULD KNOW January 22, 2016 Today s Goals Review the most common exposures Discuss how insurance does or may apply Provide some basic loss control concepts Raise
More informationThe Role of the Certificate
Catherine Trischan, CPCU, CRM, CIC, ARM, AU, AAI, CRIS, MLIS The Role of the Certificate Informational Does it change the policy? Disclaimer language 1 Certificate Holder Expectations I will get an accurate
More informationFLORIDA STATE UNIVERSITY ALUMNI ASSOCIATION CLUB & CHAPTER INSURANCE AND CLAIM MANUAL
FLORIDA STATE UNIVERSITY ALUMNI ASSOCIATION CLUB & CHAPTER INSURANCE AND CLAIM MANUAL EFFECTIVE FOR THE ANNUAL TERM: AUGUST 1, 2017 - AUGUST 1, 2018 TABLE OF CONTENTS Introduction..... 1 Alcohol Policy.....
More informationClosing the Gaps - Insurance Review for Pet Services Professionals
Closing the Gaps - Insurance Review for Pet Services Professionals By David Pearsall, CIC Most professionals working in the Pet Services Industry today are aware of the need to be insured. But it is one
More informationEMPLOYMENT PRACTICES LIABILITY INSURANCE COVERAGE ENDORSEMENT
THIS IS A CLAIMS-MADE AND REPORTED COVERAGE ENDORSEMENT. EMPLOYMENT PRACTICES LIABILITY INSURANCE COVERAGE ENDORSEMENT Throughout this Coverage Endorsement (hereinafter referred to as EPL Coverage ), the
More information