Can You Drink It All In?

Size: px
Start display at page:

Download "Can You Drink It All In?"

Transcription

1 Can You Drink It All In?

2 Can You Drink It All In? Robin Federici, CPCU, AAI, ARM, AINS, AIS, CPIW

3 ISO CGL LIQUOR EXCLUSION

4 COVERAGE A EXCLUSIONS LIQUOR LIABILITY ISO revised the Liquor Liability exclusion to address two issues: 1. "Bring Your Own" establishments (BYO) 2. Certain court decisions with respect to claims of negligence by an insured.

5 COVERAGE A EXCLUSIONS LIQUOR LIABILITY This exclusion generally only applies if the named insured is in the business of Manufacturing Distributing Selling, serving or furnishing alcoholic beverages

6 LIQUOR LIABILITY PREVIOUS LANGUAGE

7 COVERAGE A EXCLUSIONS LIQUOR LIABILITY 2007 & previous editions: Coverage is excluded for: (1) Causing or contributing to the intoxication of any person; (2) The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol; or (3) Any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages.

8 COVERAGE A EXCLUSIONS LIQUOR LIABILITY 2007 & previous editions: However, this exclusion applies only if you are in the business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages.

9 COMMON LAW, COURT CASES & STATE STATUTES

10 HOST LIQUOR Background Common Law No cause of action against the person who furnished the liquor A person cannot become intoxicated when served liquor, unless he/she consumes it Injuries stem from voluntary consumption not from the service of liquor Many courts have permitted suits against servers of liquor based upon the principle of common law negligence

11 HOST LIQUOR McGuigan vs. New England Telephone The Commonwealth of Massachusetts Supreme Judicial Court recognized the liability of a social host for injuries caused by an intoxicated guest In situations where alcohol is served to a guest who the host either knows or should know is intoxicated

12 THE NJ LIQUOR COURT CASE! Rappaport vs. Nichols (1959) An 18 year old boy was involved in a collision in which a man was killed The estate sued the boy and the 4 taverns He was served liquor in spite of knowledge that he was a minor Common Law holds the one that consumed the liquor responsible for their acts The court felt that it was the tavern keeper s negligence that contributed to the driver s intoxication and based on common law negligence they should be held liable

13 LIQUOR LAWS Individual States Determine: Dram Shop (Liquor Liability) Alcoholic Beverage Control Acts

14 Dram Shop or Civil Damage Acts Liquor Liability Statute Give persons a civil right of action against providers of alcoholic drinks The injury or property damaged must be caused by an intoxicated person or a minor The dram shop acts of different states vary in assessing liability

15 Alcoholic Beverage Control Acts Generally prohibit the sale or gift of liquor to a minor, a habitual drunkard, or to an intoxicated person Do not automatically give persons injured a civil right of action against the server or seller They provide criminal penalties against the operator, and in some cases the premises owner where the sale or serving occurred

16 STATE LAWS Today, determining liability for the service of liquor is often dependent on State Law!

17 CURRENT CGL LIQUOR EXCLUSION WHY THE CHANGE?

18 COVERAGE A EXCLUSIONS Other Changes LIQUOR LIABILITY Several liquor liability court cases have addressed other negligence issues beyond just the service, etc. of alcohol

19 COVERAGE A EXCLUSIONS Other Changes LIQUOR LIABILITY Questions have been raised with respect to BYOBs (those that permit others to bring alcoholic beverages for consumption on their premises) Are these establishments in the business of selling, serving or furnishing alcoholic beverages?

20 LIQUOR CGL COURT CASES Changes Effected by CGL Court Cases ISO has reviewed several court decisions addressing Liquor Liability Exclusions in general liability policies Based on theses GL court cases, two changes are being made

21 THE COURTS HAVE SPOKEN

22 LIQUOR CGL COURT CASES Penn-America Insurance Company v. Peccadillos (Pa. Super. Ct. 2011)

23 LIQUOR CGL COURT CASES Penn-America Insurance Company v. Peccadillos (Pa. Super. Ct. 2011) Two friends visited several bars drinking excessive amounts of alcohol, causing them to be significantly and visibly intoxicated. At the insured's location, after a physical altercation with another patron, the two friends were required to leave the premises It was apparent that neither of them was in a safe condition to drive.

24 LIQUOR CGL COURT CASES Penn-America Insurance Company v. Peccadillos (Pa. Super. Ct. 2011) Upon leaving the bar they caused an accident by colliding with another vehicle while attempting to pass it. As a result, the driver of the other vehicle and a passenger were killed and two minor children of the driver of the other vehicle were seriously injured.

25 Penn-America Insurance Company v. Peccadillos SEEKING CGL COVERAGE: The insured argued that the allegations against them fell outside the related CGL liquor exclusion. The insured emphasized the allegation that the injuries & damages were caused by: reckless and/or negligent, grossly negligent willful and/or wanton actions and/or inactions of continuing to serve alcoholic beverages to visibly intoxicated patrons thereby rendering the driver incapable of safely operating his vehicle by ejecting the patron after an altercation, rather than summoning the police

26 Penn-America Insurance Company v. Peccadillos On appeal, Penn-America argued that the negligence allegations fell squarely within the liquor liability exclusion.

27 Penn-America Insurance Company v. Peccadillos The Superior Court disagreed with the carrier It found that the "Insuring Agreement" clearly recognized the insurer's duty to defend, and that the obligation remained unless the liquor liability exclusion defeated every cause of action in the complaint. The court noted: "Although the liquor liability exclusion clearly excludes liability based on having 'caused or contributed to the intoxication'... it does not limit, in any way, liability that may be assessed for other reasons.".

28 Penn-America Insurance Company v. Peccadillos The court noted that Pennsylvania law recognized that the duty to defend is broader than the duty to indemnify The court ruled that a duty to defend was triggered under the CGL when an insured was alleged to have continued to serve alcohol to visibly intoxicated patrons and then ejected them from the premises in a dangerously inebriated condition

29 LIQUOR CGL COURT CASES McGuire v. Curry (S.D. 2009)

30 LIQUOR CGL COURT CASES McGuire v. Curry (S.D. 2009) The underage employee of a racetrack was hired as a runner to deliver alcohol and other supplies to the racetrack's concession stands and bars The racetrack gave the underage employee a key to its alcohol storage facility. No one monitored the employee s access to the alcohol or checked the amount of alcohol sold or used on any given night.

31 LIQUOR CGL COURT CASES McGuire v. Curry (S.D. 2009) One day, after the underage employee's shift ended, he drove his vehicle off the racetrack s premises while intoxicated and struck the plaintiff, who was a passenger on a motorcycle. The underage employee subsequently admitted drinking while on the job. The plaintiff brought a suit against the racetrack alleging negligent hiring, retention and supervision of the underage employee

32 LIQUOR CGL COURT CASES McGuire v. Curry (S.D. 2009) The Court concluded that the racetrack had a duty to supervise the underage employee It was foreseeable that, with no supervision & free access to consume alcohol, he could abuse the alcohol and leave the premises unfit to drive The court ruled that the employer could be held liable for the actions of its underage employee & the liquor exclusion would not apply

33 LIQUOR CGL COURT CASES Essex Insurance Company v. Café Dupont, LLC (D.D.C. 2009)

34 LIQUOR CGL COURT CASES Essex Insurance Company v. Café Dupont, LLC Essex was seeking a declaration that it had no duty under the CGL policy to defend or indemnity the insured The suit alleged, in part, that the insured generally failed to prevent a patron from becoming intoxicated and allowed the intoxicated patron to leave and not detaining him or arranging alternative transportation.

35 LIQUOR CGL COURT CASES Essex Insurance Company v. Café Dupont, LLC The nightclub operator's separate liquor liability policy had lapsed before the accident and coverage was sought under the insured's CGL policy

36 LIQUOR CGL COURT CASES Essex Insurance Company v. Café Dupont, LLC The CGL contained a provision in the liquor liability exclusion that excluded damages or injuries that arose out of any act or omission by the insured or any employee of the insured regarding: "providing or failing to provide transportation detaining or failing to detain any person, or any act assuming or not assuming responsibility for the well being, supervision or care of any person allegedly under the influence of alcohol."

37 LIQUOR CGL COURT CASES Essex Insurance Company v. Café Dupont, LLC The court stated that the quoted provision clearly applied to injuries arising out of failure to detain anyone or the failure to provide transportation for any intoxicated person and not merely those who become intoxicated at the nightclub.

38 LIQUOR CGL COURT CASES Simmons v. Homatas (Ill. 2010)

39 LIQUOR CGL COURT CASES Simmons v. Homatas (Ill. 2010) The court considered 2 issues related to: 1. Is a business that allows its patrons to bring their own alcoholic beverages, (a.k.a. BYOB) "in the business of selling alcoholic beverages?" 2. Can it be liable for injuries that arise, not as a result of serving alcohol, but as a result of actions in connection with allowing patrons to consume alcohol, brought onto its premises?

40 LIQUOR CGL COURT CASES Simmons v. Homatas (Ill. 2010) Two gentlemen arrived at Diamonds Gentlemen s Club (Diamonds or the club), which is operated by defendant On Stage Productions, Inc. On Stage operates Diamonds as a fully nude strip club. The club is located in Du Page County, which prohibits clubs featuring nude dancing from receiving a license to serve alcohol.

41 LIQUOR CGL COURT CASES Simmons v. Homatas (Ill. 2010) As a result, Diamonds does not serve alcohol to its patrons. However, it does allow patrons to bring their own alcohol. Diamonds also sells glasses, ice, soft drinks and other mixers for making alcoholic drinks.

42 LIQUOR CGL COURT CASES Simmons v. Homatas (Ill. 2010) The two men had brought with them a fifth of rum and a fifth of vodka. Over the course of the next two hours, the two men poured several drinks. They purchased mixers, glasses and ice from the club.

43 LIQUOR CGL COURT CASES Simmons v. Homatas (Ill. 2010) One of the gentlemen, within 15 minutes of exiting the club, drove his vehicle and collided with a vehicle driven by April Simmons. The collision resulted in the deaths of Simmons, and Simmons' unborn daughter, Addison Elizabeth Simmons.

44 LIQUOR CGL COURT CASES Simmons v. Homatas (Ill. 2010) 1. On Stage argued that the Dram shop Act is the sole remedy for actions involving liability from alcoholrelated injuries, thereby precluding plaintiffs' common law claims. 2. On Stage argued that because the Dram shop Act applies only to businesses engaged in the sale or gift of alcohol, the Dram shop Act does not extend liability to On Stage as a result of its policy of not selling or serving alcohol to its patrons.

45 LIQUOR CGL COURT CASES Simmons v. Homatas (Ill. 2010) In the suit against the operator (defendant) of a BYOB, the Court concluded that the plaintiff s common law negligence claim(s) were not preempted by the specific Dram Shop laws of the state. The court also stated that the operator is not in the business of selling liquor in the state as the club did not provide alcohol, even though it provided glasses and ice to its patrons.

46 COVERAGE A LIQUOR - Exclusion EXPLANATION OF CHANGES: In response to the above mentioned court decisions related to claims of negligence by an insured, ISO is incorporating two revisions to the Liquor Liability exclusion

47 COVERAGE A EXCLUSIONS LIQUOR LIABILITY Looks Like the old versions: Coverage is excluded for: (1) Causing or contributing to the intoxication of any person; (2) The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol; or (3) Any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages.

48 COVERAGE A LIQUOR Exclusion EXPLANATION OF CHANGE #1: The exclusion will explicitly state that the Liquor Liability exclusion applies even if the claims against any insured allege the negligence or other wrong doing for liability connected with liquor, but not strictly due to the service of liquor

49 COVERAGE A LIQUOR Exclusion CHANGE #1: This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in: (a) The supervision, hiring, employment, training or monitoring of others by that insured; or (b) Providing or failing to provide transportation with respect to any person that may be under the influence of alcohol; if the "occurrence" which caused the "bodily injury" or "property damage", involved that which is described in Paragraph (1), (2) or (3) above.

50 COVERAGE A LIQUOR Exclusion EXPLANATION OF CHANGE #2: Also, the exclusion is being revised to provide that for the purposes of the exclusion permitting a person to bring alcoholic beverages for consumption on an insured's premises (e.g. a BYOB establishment), whether or not a fee is charged or a license is required for such activity, is not by itself, considered the business of selling, serving or furnishing alcoholic beverages.

51 COVERAGE A LIQUOR Exclusion CHANGE #2: However, this exclusion applies only if you are in the business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages. For the purposes of this exclusion, permitting a person to bring alcoholic beverages on your premises, for consumption on your premises, whether or not a fee is charged or a license is required for such activity, is not by itself considered the business of selling, serving or furnishing alcoholic beverages.

52 COVERAGE A LIQUOR Exclusion IMPACT: With respect to the exclusion being revised to address BYOBs, this change may be considered a broadening in coverage With respect to the other revisions to the exclusion, the change may be considered a reduction in coverage

53 ROBIN FEDERICI, CPCU, AAI, ARM, AINS, AIS, CPIW

2013 Changes in the Commercial General Liability Program

2013 Changes in the Commercial General Liability Program 2013 Changes in the Commercial General Liability Program By Ted A. Kinney, CIC CPCU ARM AU AAM AAI AINS CPIA CRIS ISO is revising various General Liability coverage forms and endorsements effective April

More information

ISO Form Changes Commercial General Liability

ISO Form Changes Commercial General Liability ISO Form Changes Commercial General Liability Tuesday March 19, 2013 There are new multistate endorsements that are being introduced: Primary And noncontributory - Other Insurance Condition Endorsement

More information

Commercial Casualty ISO Changes

Commercial Casualty ISO Changes Commercial Casualty ISO Changes Presented by: Allen Messer, CIC, CPCU February 28, 2013 CGL Multistate Changes 2013 1 Coverage Form Exclusions Definitions Conditions Endorsements Revised New Overview REVISED

More information

Dear Wine / Beer Vendor,

Dear Wine / Beer Vendor, A WINE / BEER VENDOR IS ANYONE WHO WILL BE GIVING SAMPLES OF ANY SORT TO BE CONSUMED OR IS SELLING WINE / BEER THAT WILL BE CONSUMED AT THE TIME OF PURCHASE OR TAKEN HOME FOR CONSUMPTION LATER. Dear Wine

More information

OPINION AND ORDER IN THE COURT OF COMMON PLEAS OF LYCOMING COUNTY, PENNSYLVANIA

OPINION AND ORDER IN THE COURT OF COMMON PLEAS OF LYCOMING COUNTY, PENNSYLVANIA IN THE COURT OF COMMON PLEAS OF LYCOMING COUNTY, PENNSYLVANIA QUALITY CARRIERS, INC. and : NO. 14 02,241 QC ENERGY RESOURCES, LLC, : Plaintiffs : : CIVIL ACTION - LAW vs. : : ECM ENERGY SERVICES, INC.

More information

Workers Compensation and the HO Policy

Workers 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 information

Contractual Confusion Assuming the Liability of Others

Contractual Confusion Assuming the Liability of Others Contractual Confusion Assuming the Liability of Others July 2009 To quote former major league pitcher Roger Clemens, sometimes we "misremember." This tendency is particularly embarrassing when you continue

More information

International Insurance - Part 2. Controlled Master Package

International Insurance - Part 2. Controlled Master Package International Insurance - Part 2 Controlled Master Package INTERNATIONAL INSURANCE Controlled Master Package Part 2 Robin Federici, CPCU, AAI, ARM, AINS, AIS, CPIW PO BOX 781 NORTH KINGSTOWN, RI 02852

More information

The Role of the Certificate

The 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 information

ANSWERS TO THE QUESTIONS IN THE COURSE GUIDE CPCU nd Edition CONTENTS. Assignment Title Page

ANSWERS 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 information

IN THE DISTRICT COURT OF APPEAL OF THE STATE OF FLORIDA FIFTH DISTRICT JULY TERM v. Case No. 5D

IN THE DISTRICT COURT OF APPEAL OF THE STATE OF FLORIDA FIFTH DISTRICT JULY TERM v. Case No. 5D IN THE DISTRICT COURT OF APPEAL OF THE STATE OF FLORIDA FIFTH DISTRICT JULY TERM 2012 CITIZENS PROPERTY INSURANCE CORPORATION, Appellant, v. Case No. 5D11-1555 DIANE M. COOK, AS PERSONAL REPRESENTATIVE

More information

Legal Q&A. By Zindia Thomas, TML Assistant General Counsel. Q: Can a city give its employees a holiday bonus?

Legal Q&A. By Zindia Thomas, TML Assistant General Counsel. Q: Can a city give its employees a holiday bonus? Legal Q&A By Zindia Thomas, TML Assistant General Counsel Q: Can a city give its employees a holiday bonus? A: A city can give its employees a holiday bonus if the city plans and provides for the holiday

More information

North Idaho College Alcohol Permit Packet

North Idaho College Alcohol Permit Packet North Idaho College Alcohol Permit Packet This packet consists of General Information/Guidelines, Alcohol Permit Application and Alcohol Permit Agreement Please read all sections. GENERAL INFORMATION Purpose:

More information

Knights of Columbus South Carolina State Council. Liability Insurance Policy. For the State of South Carolina. Knights of Columbus

Knights of Columbus South Carolina State Council. Liability Insurance Policy. For the State of South Carolina. Knights of Columbus Liability Insurance Policy For the State of South Carolina Knights of Columbus 2018-2019 Presented By: Lockton Affinity, LLC 7300 College Blvd, Suite 500 Overland Park, KS 66210 Program Insurer: Insurance

More information

No. 48,191-CA No. 48,192-CA (Consolidated Cases) COURT OF APPEAL SECOND CIRCUIT STATE OF LOUISIANA * * * * * versus * * * * *

No. 48,191-CA No. 48,192-CA (Consolidated Cases) COURT OF APPEAL SECOND CIRCUIT STATE OF LOUISIANA * * * * * versus * * * * * Judgment rendered June 26, 2013. Application for rehearing may be filed within the delay allowed by art. 2166, La. C.C.P. No. 48,191-CA No. 48,192-CA (Consolidated Cases) COURT OF APPEAL SECOND CIRCUIT

More information

RISK TRANSFER PROVISIONS

RISK TRANSFER PROVISIONS RISK TRANSFER PROVISIONS ARE YOU PROTECTED? ARE YOU EXPOSED? JONATHAN A. CASS JOHN A. GREENHALL TRAVIS SHAFFER OCTOBER 1, 2018 TOPICS The basics on contractual indemnifications and insurance requirements

More information

CAERNARVON TOWNSHIP BERKS COUNTY, PENNSYLVANIA 3307 Main Street Telephone: P. O. Box 294 Fax:

CAERNARVON TOWNSHIP BERKS COUNTY, PENNSYLVANIA 3307 Main Street Telephone: P. O. Box 294 Fax: CAERNARVON TOWNSHIP BERKS COUNTY, PENNSYLVANIA 3307 Main Street Telephone: 610-286-1010 P. O. Box 294 Fax: 610-286-1001 Morgantown, PA 19543 www.caernarvon.org AGREEMENT FOR USE OF THE TOWNSHIP SOCIAL

More information

Bottoms Up: Serving Alcohol at Your Nonprofit s Event. D. Taylor Harper

Bottoms Up: Serving Alcohol at Your Nonprofit s Event. D. Taylor Harper Bottoms Up: Serving Alcohol at Your Nonprofit s Event D. Taylor Harper 11.28.18 Mission of Pro Bono Partnership of Atlanta: To maximize the impact of pro bono engagement by connecting a network of attorneys

More information

Iowa State Multicultural Greek Council

Iowa State Multicultural Greek Council Revised 2017-01-18 1 Iowa State Multicultural Greek Council Form Y Alcohol Event Approval Alcohol at events poses a significant risk to an event and its attendees. All Greek organizations are expected

More information

LIQUOR LIABILITY COVERAGE FORM

LIQUOR LIABILITY COVERAGE FORM UTICA FIRST INSURANCE COMPANY CONSTITUTED IN OHIO AS UTICA FIRST INSURANCE COMPANY (MUTUAL) Home Office - 5981 Airport Road, Oriskany, NY 13424 Mail Address - P.O. Box 851, Utica, NY 13503.0851 This endorsement

More information

LIQUOR LIABILITY APPLICATION

LIQUOR LIABILITY APPLICATION LIQUOR LIABILITY APPLICATION Applicant Name: _ Mailing Address: Agent s Name: Address: _ Website: Inspection Contact Inspection Contact Phone. Proposed Effective Date: From: To: 12:01 A.M. Standard Time

More information

Office of Risk Management

Office of Risk Management Office of Risk Management Patrick M. Durbin, CHMM, Assistant Director of Risk Control Michelle N. Bost, CHMM, Environmental Program Coordinator Eric Agnew, CPCU, ARM, Risk & Insurance Analyst U. T. System

More information

Decided: July 11, S13G1048. CARTER v. PROGRESSIVE MOUNTAIN INSURANCE. This Court granted a writ of certiorari to the Court of Appeals in Carter

Decided: July 11, S13G1048. CARTER v. PROGRESSIVE MOUNTAIN INSURANCE. This Court granted a writ of certiorari to the Court of Appeals in Carter In the Supreme Court of Georgia Decided: July 11, 2014 S13G1048. CARTER v. PROGRESSIVE MOUNTAIN INSURANCE. HINES, Presiding Justice. This Court granted a writ of certiorari to the Court of Appeals in Carter

More information

Section I - Coverage Form Changes

Section I - Coverage Form Changes ISO has provided the explanations below of their upcoming coverage form changes for 2013. Section I - Coverage Form Changes * Revision To Liquor Liability Exclusion We are revising the Liquor Liability

More information

TRENTON AGRI PRODUCTS LLC INSURANCE & INDEMNIFICATION TERMS & CONDITIONS

TRENTON AGRI PRODUCTS LLC INSURANCE & INDEMNIFICATION TERMS & CONDITIONS TRENTON AGRI PRODUCTS LLC INSURANCE & INDEMNIFICATION TERMS & CONDITIONS These Insurance & Indemnification Terms & Conditions ( Terms ) are hereby incorporated in and made a part of each and every written

More information

SUPREME COURT OF NOVA SCOTIA Citation: Party Bus Atlantic Inc. v. Temple Insurance Company 2016 NSSC 96

SUPREME COURT OF NOVA SCOTIA Citation: Party Bus Atlantic Inc. v. Temple Insurance Company 2016 NSSC 96 SUPREME COURT OF NOVA SCOTIA Citation: Party Bus Atlantic Inc. v. Temple Insurance Company 2016 NSSC 96 Date: 20160412 Docket: Hfx. No. 447434 Registry: Halifax Between: Judge: Heard: Party Bus Atlantic

More information

IN THE STATE COURT OF DEKALB COUNTY STATE OF GEORGIA

IN THE STATE COURT OF DEKALB COUNTY STATE OF GEORGIA IN THE STATE COURT OF DEKALB COUNTY STATE OF GEORGIA JACKIE CARDIN AS SURVIVING SPOUSE OF MICHAEL LEE CARDIN, deceased, and JACKIE CARDIN AS ADMINISTRATOR OF THE ESTATE OF MICHAEL LEE CARDIN, deceased

More information

USA Volleyball, United States Volleyball Association, United States Volleyball, Inc. ( USAV ), USA Volleyball Foundation

USA 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 information

USAV registered clubs, but only with respects to activities sanctioned or approved by USAV or its RVA.

USAV 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 information

1. COMPENSATORY AND PUNITIVE DAMAGES AGAINST TEDESCHI. A Similar Case in New Mexico settled for $21.2 million in compensatory damages.

1. COMPENSATORY AND PUNITIVE DAMAGES AGAINST TEDESCHI. A Similar Case in New Mexico settled for $21.2 million in compensatory damages. 1. COMPENSATORY AND PUNITIVE DAMAGES AGAINST TEDESCHI A Similar Case in New Mexico settled for $21.2 million in compensatory damages. In the case of Estate of Store Clerk Elizabeth Garcia vs. Allsup's

More information

Insurance Coverage Essentials: Fundamental Strategies for Reading & Interpreting General & Professional Liability Insurance

Insurance Coverage Essentials: Fundamental Strategies for Reading & Interpreting General & Professional Liability Insurance Insurance Coverage Essentials: Fundamental Strategies for Reading & Interpreting General & Professional Liability Insurance by Theresa M. Augustauskas and Ryan M. Suerth April 7, 2011 New Haven County

More information

Lockton Affinity, LLC

Lockton Affinity, LLC Lockton Affinity, LLC The cost is a per member cost, $2.23 per member. There is no application, basically we would just get the basic information for the Council (number of members, contact information,

More information

Liability Issues to Worry About. Indemnity Agreements and Additional Insured s Coverage

Liability Issues to Worry About. Indemnity Agreements and Additional Insured s Coverage Liability Issues to Worry About Indemnity Agreements and Additional Insured s Coverage Presented by E. Stuart Powell, Jr. CPCU, CIC, CLU, ChFC, ARM, AMIM, AAI, ARe, CRIS Vice President of Insurance Operations

More information

FEDERATION OF CANADIAN ARCHERS GENERAL LIABILITY INSURANCE (CGL) PROGRAM POLICY NUMBER E2SA JANUARY 1, 2017 TO JANUARY 1, 2018

FEDERATION OF CANADIAN ARCHERS GENERAL LIABILITY INSURANCE (CGL) PROGRAM POLICY NUMBER E2SA JANUARY 1, 2017 TO JANUARY 1, 2018 FEDERATION OF CANADIAN ARCHERS GENERAL LIABILITY INSURANCE (CGL) PROGRAM POLICY NUMBER E2SA000024 JANUARY 1, 2017 TO JANUARY 1, 2018 The Federation of Canadian Archers (Archery Canada) automatically includes

More information

Aspen Specialty Ins. Co. v Ironshore Indem. Inc NY Slip Op 31169(U) July 7, 2015 Supreme Court, New York County Docket Number: /2013

Aspen Specialty Ins. Co. v Ironshore Indem. Inc NY Slip Op 31169(U) July 7, 2015 Supreme Court, New York County Docket Number: /2013 Aspen Specialty Ins. Co. v Ironshore Indem. Inc. 2015 NY Slip Op 31169(U) July 7, 2015 Supreme Court, New York County Docket Number: 160353/2013 Judge: Arthur F. Engoron Cases posted with a "30000" identifier,

More information

Education 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 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 information

SPECIAL EXCLUSIONS AND LIMITATIONS ENDORSEMENT

SPECIAL 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 information

Contractual Indemnity Provisions & Additional Insureds Liability

Contractual Indemnity Provisions & Additional Insureds Liability Torts Insurance Compensation Law Section Contractual Indemnity Provisions & Additional Insureds Liability December 9, 2016 Speaker: Steven E. Peiper, Esq. Hurwitz & fine, PC Thank you to our sponsor for

More information

QUESTIONNAIRE LIQUOR LIABILITY

QUESTIONNAIRE LIQUOR LIABILITY QUESTIONNAIRE LIQUOR LIABILITY Please answer all questions fully. Submit this Questionnaire with a completed ACORD Commercial Insurance Applicant Information Section and prior carrier loss runs. INSURED

More information

PROFESSIONAL SERVICES and NON-CONSTRUCTION CONRACTS

PROFESSIONAL SERVICES and NON-CONSTRUCTION CONRACTS CASTAIC LAKE WATER AGENCY STANDARD CONTRACT RISK TRANSFER PROVISIONS, GENERAL CONDITIONS, REQUIRED INSURANCE and CALIFORNIA LABOR CODE REQUIREMENTS for PROFESSIONAL SERVICES and NON-CONSTRUCTION CONRACTS

More information

"Motor vehicle liability policy" defined. (a) A "motor vehicle liability policy" as said term is used in this Article shall mean an

Motor vehicle liability policy defined. (a) A motor vehicle liability policy as said term is used in this Article shall mean an 20-279.21. "Motor vehicle liability policy" defined. (a) A "motor vehicle liability policy" as said term is used in this Article shall mean an owner's or an operator's policy of liability insurance, certified

More information

ARTICLE V Indemnification; Insurance

ARTICLE V Indemnification; Insurance ARTICLE V Indemnification; Insurance 5.1 The Recipient shall act as an independent contractor, and not as an employee, agent, partner, joint venturer, representative or associate of the City, in operating

More information

Should You Hire a Car Accident Lawyer?

Should You Hire a Car Accident Lawyer? 1. Car accident lawyer Should You Hire a Car Accident Lawyer? Every 10 seconds, a car accident occurs somewhere in the US, and the average driver is involved in a wreck every 8 years. Chances are you ve

More information

Third District Court of Appeal State of Florida, July Term, A.D. 2008

Third District Court of Appeal State of Florida, July Term, A.D. 2008 Third District Court of Appeal State of Florida, July Term, A.D. 2008 Opinion filed October 15, 2008. Not final until disposition of timely filed motion for rehearing. No. 3D07-433 Lower Tribunal No. 06-3018

More information

2. Attachments a) Design Drawings Drawing(s) Revision Revision Date Specifications (T1.1-T2.8) N/A N/A A /06/17 A1.1 N/A N/A A2.

2. Attachments a) Design Drawings Drawing(s) Revision Revision Date Specifications (T1.1-T2.8) N/A N/A A /06/17 A1.1 N/A N/A A2. contractor ract and Scope of Work 8.812 ract To: contractor: LBA Construction LLC 2733 Ross Clark Circle Dothan, Alabama 36301 Scope: Window Film: Provide and install 7 mil shatter resistant window film

More information

IN THE COURT OF APPEALS OF THE STATE OF OREGON

IN THE COURT OF APPEALS OF THE STATE OF OREGON No. 604 December 12, 2018 385 IN THE COURT OF APPEALS OF THE STATE OF OREGON Brodi EPPS, by and through his guardian ad litem, Molly S. Epps, Plaintiff-Appellant, v. FARMERS INSURANCE EXCHANGE, an inter-insurance

More information

MINNESOTA PERSONAL INJURY PROTECTION

MINNESOTA PERSONAL INJURY PROTECTION POLICY NUMBER: COMMERCIAL AUTO CA 22 25 10 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MINNESOTA PERSONAL INJURY PROTECTION For a covered "auto" licensed or principally garaged in,

More information

INDEMITY AND HOLD HARMLESS AGREEMENT

INDEMITY AND HOLD HARMLESS AGREEMENT INDEMITY AND HOLD HARMLESS AGREEMENT (Individual / Group / Contractor) agrees to release, indemnify, and hold harmless the CITY OF VENTNOR and/or the Atlantic County Municipal Joint Insurance Fund, and

More information

IN COURT OF APPEALS. DECISION DATED AND FILED July 22, Appeal No. 2014AP2280 DISTRICT II CARMEN SMITH, PLAINTIFF-RESPONDENT,

IN COURT OF APPEALS. DECISION DATED AND FILED July 22, Appeal No. 2014AP2280 DISTRICT II CARMEN SMITH, PLAINTIFF-RESPONDENT, COURT OF APPEALS DECISION DATED AND FILED July 22, 2015 Diane M. Fremgen Clerk of Court of Appeals Appeal No. 2014AP2280 STATE OF WISCONSIN NOTICE This opinion is subject to further editing. If published,

More information

FAIRVIEW PRESBYTERTIAN CHURCH HALL RENTAL AND FACILITY USE CONTRACT 4264 AVONIA ROAD, FAIRVIEW PA

FAIRVIEW PRESBYTERTIAN CHURCH HALL RENTAL AND FACILITY USE CONTRACT 4264 AVONIA ROAD, FAIRVIEW PA FAIRVIEW PRESBYTERTIAN CHURCH HALL RENTAL AND FACILITY USE CONTRACT 4264 AVONIA ROAD, FAIRVIEW PA 16415 (814)474-3914 Email: fairpresby@verizon.net Website: fairviewpresbyterianchurch.com Estimated number

More information

3600. (a) Liability for the compensation provided by this division, in lieu of any other liability whatsoever to any person except as otherwise specifically provided in Sections 3602, 3706, and 4558, shall,

More information

HOCKLEY COUNTY MALLET EVENT CENTER AND ARENA LICENSE AGREEMENT

HOCKLEY COUNTY MALLET EVENT CENTER AND ARENA LICENSE AGREEMENT HOCKLEY COUNTY MALLET EVENT CENTER AND ARENA LICENSE AGREEMENT This License Agreement (this "Agreement"), made this day of, 201 between Hockley County Mallet Event Center and Arena, a political subdivision

More information

ADDITIONAL INSURED COVERAGE

ADDITIONAL INSURED COVERAGE ADDITIONAL INSURED COVERAGE MAXIMIZING COVERAGE IN A POST-BURLINGTON WORLD JEFFREY J. VITA, ESQ. Saxe Doernberger & Vita, P.C. January 31, 2018 Additional Insured Coverage Maximizing Coverage in a Post-Burlington

More information

UNDERSTANDING WAIVERS OF SUBROGATION By Gary L. Wickert, Mohr & Anderson, S.C., Hartford, WI

UNDERSTANDING WAIVERS OF SUBROGATION By Gary L. Wickert, Mohr & Anderson, S.C., Hartford, WI UNDERSTANDING WAIVERS OF SUBROGATION By Gary L. Wickert, Mohr & Anderson, S.C., Hartford, WI Waivers of Subrogation are a necessary evil of underwriting, but their application and effect on subrogation

More information

Liquor Liability Application

Liquor Liability Application Liquor Liability Application Complete a separate application for each location. Applicant s Name Agency Name Agent Mailing Address Address Location Address E-Mail Phone Web site Address PROPOSED EFFECTIVE

More information

Example: Swimming pools, ladders, refrigerators with doors left on, trampolines, and other kinds of property around a business or home.

Example: 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 information

Contractor shall provide new thermal fused plastic laminate doors for each interior opening as scheduled. All openings are to receive new hardware.

Contractor shall provide new thermal fused plastic laminate doors for each interior opening as scheduled. All openings are to receive new hardware. contractor ract and Scope of Work 8.801, 8.802, 8.803, and 8.804 ract To: LBA Construction LLC 2733 Ross Clark Circle Dothan, Alabama 36301 contractor: Scope: Doors, Frames, and Door Hardware Provide and

More information

EXHIBIT B. Insurance Requirements for Environmental Contractors and/or Consultants

EXHIBIT B. Insurance Requirements for Environmental Contractors and/or Consultants EXHIBIT B Insurance Requirements for Environmental Contractors and/or Consultants Contractor shall procure and maintain for the duration of the contract insurance against claims for injuries to persons

More information

A final agenda must be determined no later than six weeks prior to said event date.

A final agenda must be determined no later than six weeks prior to said event date. Two hour rental Six hour rental Wedding A. Agreement entered between Orange County Center for Contemporary Art (OCCCA) and: CLIENT CONTACT INFO Client (USER): Date Signed Contact Name: Phone: Address:

More information

Allegheny County Alcoholic Beverage Tax Official Rules and Regulations

Allegheny County Alcoholic Beverage Tax Official Rules and Regulations Allegheny County Alcoholic Beverage Tax Official Rules and Regulations Table of Contents Preface... 1 Section 101. Definitions.... 2 Section 102. Imposition and Rate of Tax.... 3 Section 103. Taxable Transactions....

More information

HO MOTORIZED VEHICLES - THE GOOD, THE BAD OR THE UGLY?

HO 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 information

Show Me the Money! Risk Management for Finance Professionals

Show Me the Money! Risk Management for Finance Professionals Show Me the Money! Risk Management for Finance Professionals By Robin Aronson, JD, CPCU, ARM, AIC Washington Cities Insurance Authority Risk Services Manager What is WCIA? Formed in 1981 Risk Pool Interlocal

More information

Salt Lake City Area Office 8722 S. Harrison St. Sandy, UT P.O. Box 4439 Sandy, UT Fax

Salt Lake City Area Office 8722 S. Harrison St. Sandy, UT P.O. Box 4439 Sandy, UT Fax Salt Lake City Area Office 8722 S. Harrison St. Sandy, UT 84070 P.O. Box 4439 Sandy, UT 84091 800-257-5590 Fax 800-478-9880 Chicago Office 303 W. Madison Street Suite 2075 Chicago, IL 60606 800-456-4576

More information

MUNICIPAL ALCOHOL POLICY

MUNICIPAL ALCOHOL POLICY MUNICIPAL ALCOHOL POLICY PURPOSE To define the conditions for Special Occasion Permit (SOP) events and establish procedures to ensure a safe and managed approach for the consumption of alcohol at events

More information

Sport INSURANCE RENEWAL PREPARED FOR ONTARIO UNDERWATER COUNCIL & MEMBER CLUBS TERM: JANUARY 1, 2013 TO JANUARY 1, 2014

Sport INSURANCE RENEWAL PREPARED FOR ONTARIO UNDERWATER COUNCIL & MEMBER CLUBS TERM: JANUARY 1, 2013 TO JANUARY 1, 2014 INSURANCE RENEWAL PREPARED FOR ONTARIO UNDERWATER COUNCIL & MEMBER CLUBS TERM: JANUARY 1, 2013 TO JANUARY 1, 2014 Prepared by: Nancy Au, BBA, FCIP, RIBO, CRM Vice President, s & Recreation Rosemarie Dunn,

More information

Sharing the Misery: Defects with Construction Defect Coverage

Sharing the Misery: Defects with Construction Defect Coverage CLM 2016 National Construction Claims Conference September 28-30, 2016 San Diego, CA Sharing the Misery: Defects with Construction Defect Coverage I. A brief history of the law regarding insurance coverage

More information

IN THE COURT OF APPEALS FOR THE STATE OF WASHINGTON

IN THE COURT OF APPEALS FOR THE STATE OF WASHINGTON IN THE COURT OF APPEALS FOR THE STATE OF WASHINGTON JANETTE LEDING OCHOA, ) ) No. 67693-8-I Appellant, ) ) DIVISION ONE v. ) ) PROGRESSIVE CLASSIC ) INSURANCE COMPANY, a foreign ) corporation, THE PROGRESSIVE

More information

PLF Claims Made Excess Plan

PLF Claims Made Excess Plan 2019 PLF Claims Made Excess Plan TABLE OF CONTENTS INTRODUCTION... 1 SECTION I COVERAGE AGREEMENT... 1 A. Indemnity...1 B. Defense...1 C. Exhaustion of Limit...2 D. Coverage Territory...2 E. Basic Terms

More information

THE CORPORATION OF THE TOWN OF WASAGA BEACH BY-LAW NO A BY-LAW TO ADOPT A MUNICIPAL ALCOHOL USE POLICY

THE CORPORATION OF THE TOWN OF WASAGA BEACH BY-LAW NO A BY-LAW TO ADOPT A MUNICIPAL ALCOHOL USE POLICY THE CORPORATION OF THE TOWN OF WASAGA BEACH BY-LAW NO. 2012-03 A BY-LAW TO ADOPT A MUNICIPAL ALCOHOL USE POLICY WHEREAS pursuant to The Municipal Act, 2001, S.O. 2001, c.25, as amended, the Council of

More information

11th Circuit: Computer Fraud Policy Did Not Cover Loss That Did Not Result Directly From Computer Fraud

11th Circuit: Computer Fraud Policy Did Not Cover Loss That Did Not Result Directly From Computer Fraud June 2018 11th Circuit: Computer Fraud Policy Did Not Cover Loss That Did Not Result Directly From Computer Fraud The U.S. Court of Appeals for the Eleventh Circuit has ruled that a computer fraud insurance

More information

Ready to rent? Terms and Conditions. Florida

Ready to rent? Terms and Conditions. Florida Ready to rent? Terms and Conditions. Florida Sixt rent a car - Rental Agreement, Terms & Conditions 1. Definitions. Agreement means the Terms and Conditions on this page and the provisions found on the

More information

Let Your Event Shine. Amenities. Operations. Theatre. Church Outings Weddings. Fundraisers Concerts. Fairs & Festivals Conferences.

Let Your Event Shine. Amenities. Operations. Theatre. Church Outings Weddings. Fundraisers Concerts. Fairs & Festivals Conferences. Location & Directions From Interstate 75: Travel north on Joslyn Rd. via Exit 83. Take approximately 3.8 miles and turn east on Waldon Rd. After.20 miles, turn left onto Joslyn Ct. Parking & Access Amphitheater

More information

Date of Violation Type of Violation Action taken to prevent future Violations

Date of Violation Type of Violation Action taken to prevent future Violations SIS Wholesale Insurance Services 4. List types of entertainment and how often featured: Band (other than jazz/instrumental) times per week times per year DJ times per week times per year Other (describe):

More information

SEPT. 22. fall festival. FEATURING! Main Stage 7:30-9:00pm. Free FREE EVENT! Car & Motorcycle Show 12:00-4:00

SEPT. 22. fall festival. FEATURING! Main Stage 7:30-9:00pm. Free FREE EVENT! Car & Motorcycle Show 12:00-4:00 n o t n e r r a W FREE EVENT! SEPT. 22 fall festival MAIN ST. WARRENTON MO 636-456-3535 www.warrenton-mo.org FEATURING! Main Stage 7:30-9:00pm Butch Wax & the Hollywoods 1:00-4:00pm Car & Motorcycle Show

More information

NON-PRECEDENTIAL DECISION - SEE SUPERIOR COURT I.O.P : : : : : : : : : :

NON-PRECEDENTIAL DECISION - SEE SUPERIOR COURT I.O.P : : : : : : : : : : NON-PRECEDENTIAL DECISION - SEE SUPERIOR COURT I.O.P. 65.37 DONALD C. PETRA v. Appellant PENNSYLVANIA NATIONAL MUTUAL CASUALTY INSURANCE COMPANY IN THE SUPERIOR COURT OF PENNSYLVANIA No. 505 MDA 2018 Appeal

More information

Please note that there is no liability coverage for wrestling activities held at a home or residential dwelling

Please note that there is no liability coverage for wrestling activities held at a home or residential dwelling Insurance coverage 2017-18 Insurance Information At USA Wrestling, our top priorities are safety and security. That's why we make sure you're covered by General Liability, Accidental Medical Expense, and

More information

LEGAL I~'OTES 241 LEGAL NOTES SAUL B. ACKER~AN (OP THE NEW YORK BAR) ACCIDENT

LEGAL I~'OTES 241 LEGAL NOTES SAUL B. ACKER~AN (OP THE NEW YORK BAR) ACCIDENT LEGAL I~'OTES 241 LEGAL NOTES BY SAUL B. ACKER~AN (OP THE NEW YORK BAR) ACCIDENT Violation of Law:--[Zurich General.Accident & Liability Ins. Co. vs. Flickinger. 33 P. (2d) 853.] The insured died from

More information

Experience Protection Insurance Summary

Experience 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 information

Catholic Diocese of Evansville Single Use Agreement Madden Hall

Catholic Diocese of Evansville Single Use Agreement Madden Hall Catholic Diocese of Evansville Single Use Agreement Madden Hall THIS AGREEMENT made and entered into this day of, 20, by and between as Licensee and CHARLES C. THOMPSON, BISHOP OF THE CATHOLIC DIOCESE

More information

Wedding Ceremony/Reception Contract Glenora Falls LLC (GFLLC)

Wedding Ceremony/Reception Contract Glenora Falls LLC (GFLLC) Wedding Ceremony/Reception Contract Glenora Falls LLC (GFLLC) Names of Couple to be married: (referred to as Couples or Guest in this contract) and Month/Date: Day of Week: Start Time: End Time: (11:00

More information

ITEM 15 ATTACHMENT B RESOLUTION NO

ITEM 15 ATTACHMENT B RESOLUTION NO ITEM 15 ATTACHMENT B RESOLUTION NO. 2016-1514 A RESOLUTION OF THE CITY COUNCIL OF THE CITY OF CALABASAS, CALIFORNIA, APPROVING A CONDITIONAL USE PERMIT TO ALLOW FOR THE SALE/ON-SITE CONSUMPTION OF ALCOHOLIC

More information

The Clinton Arena Multi-Purpose Arena Riding Membership Policies and Procedures 2018

The Clinton Arena Multi-Purpose Arena Riding Membership Policies and Procedures 2018 The Clinton Arena Multi-Purpose Arena Riding Membership Policies and Procedures 2018 14730 Hwy 10, Clinton, LA Phone: (225) 316-6779 Email: clinton_arenahwy10@yahoo.com Website: www.clintonarena.com Purpose

More information

PAQS Entertainment Party Bus

PAQS Entertainment Party Bus PAQS Entertainment Party Bus Terms and Conditions PAQS Entertainment reserves the right to change and update our Terms and Conditions at any time without notice. The terms we, us, and PAQS refer to PAQS

More information

When the Motor Vehicle Exclusion Doesn t Apply in Motor Vehicle Accidents

When the Motor Vehicle Exclusion Doesn t Apply in Motor Vehicle Accidents When the Motor Vehicle Exclusion Doesn t Apply in Motor Vehicle Accidents By Sam P. Rynearson Rynearson, Suess, Schnurbusch & Champion LLC Almost every Commercial General Liability and Homeowners Insurance

More information

CLAIMS LAW UPDATE THE REASONABLE BELIEF EXCLUSION AND DRIVERS WITHOUT A VALID LICENSE. American Educational Institute, Inc.

CLAIMS LAW UPDATE THE REASONABLE BELIEF EXCLUSION AND DRIVERS WITHOUT A VALID LICENSE. American Educational Institute, Inc. American Educational Institute, Inc. CLAIMS LAW UPDATE A SUPPLEMENT TO CLAIMS LAW COURSES IN CASUALTY, PROPERTY, WORKERS COMPENSATION, FRAUD INVESTIGATION AND AUTOMOBILE Spring, 2012 THE REASONABLE BELIEF

More information

In The Court of Appeals For The First District of Texas NO CV. TOYOTA INDUSTRIAL EQUIPMENT MFG., INC., Appellant

In The Court of Appeals For The First District of Texas NO CV. TOYOTA INDUSTRIAL EQUIPMENT MFG., INC., Appellant Opinion issued April 1, 2010 In The Court of Appeals For The First District of Texas NO. 01-09-00399-CV TOYOTA INDUSTRIAL EQUIPMENT MFG., INC., Appellant V. CARRUTH-DOGGETT, INC. D/B/A TOYOTALIFT OF HOUSTON,

More information

r You ve Got to be Kidding (Part 11) - Are These Really ACTUAL Commercial Lines Claims?

r You ve Got to be Kidding (Part 11) - Are These Really ACTUAL Commercial Lines Claims? Education ProgramS r You ve Got to be Kidding (Part 11) - Are These Really ACTUAL Commercial Lines Claims? sponsored by YOU VE GOT TO BE KIDDING! Are These Actual Commercial Lines Claims? Robin Federici,

More information

Indemnification Agreements

Indemnification Agreements NUCA Contracts Risk Management Manual Indemnification Agreements Atlanta, Georgia Charlotte, North Carolina Ft. Lauderdale, Florida Las Vegas, Nevada Tallahassee, Florida INTRODUCTION Owners who hire general

More information

Liquor Liability Application

Liquor Liability Application Scottsdale Insurance Company Home Office: One Nationwide Plaza Columbus, Ohio 43215 Scottsdale Surplus Lines Insurance Company Scottsdale Indemnity Company Home Office: One Nationwide Plaza Columbus, Ohio

More information

UNITED STATES DISTRICT COURT SOUTHERN DISTRICT OF FLORIDA MIAMI DIVISION. Case No.

UNITED STATES DISTRICT COURT SOUTHERN DISTRICT OF FLORIDA MIAMI DIVISION. Case No. Case 1:15-cv-21644-RNS Document 1 Entered on FLSD Docket 04/30/2015 Page 1 of 8 WILSHIRE INSURANCE COMPANY, v. Plaintiff, CASABLANCA ON THE BAY, INC. and JULIA PADRON, Defendants. / UNITED STATES DISTRICT

More information

2015 PA Super 110. Appellee No WDA 2012

2015 PA Super 110. Appellee No WDA 2012 2015 PA Super 110 THERESA M. WOLFE, ADMINISTRATRIX OF THE ESTATE OF KEVIN T. WOLFE, IN THE SUPERIOR COURT OF PENNSYLVANIA Appellant v. ROBERT ROSS, Appellee v. STATE FARM FIRE AND CASUALTY COMPANY, Appellee

More information

RLI PROFESSIONAL SERVICES GROUP PROFESSIONAL LEARNING EVENT PSGLE 107. How To Design Your Insurance Program

RLI PROFESSIONAL SERVICES GROUP PROFESSIONAL LEARNING EVENT PSGLE 107. How To Design Your Insurance Program RLI PROFESSIONAL SERVICES GROUP PROFESSIONAL LEARNING EVENT PSGLE 107 How To Design Your Insurance Program Copyright Materials This presentation is protected by US and International Copyright laws. Reproduction,

More information

Underpinning Legal Framework

Underpinning Legal Framework Ther Underpinning Legal Framework http://oeapng.info This document sets out to provide an overview of what the law requires and how to comply with it. It also explains what may happen following an accident

More information

Proposed Venue Rule Change for Medical Professional Liability Actions in Pennsylvania

Proposed Venue Rule Change for Medical Professional Liability Actions in Pennsylvania Proposed Venue Rule Change for Medical Professional Liability Actions in Pennsylvania March 2019 On Dec. 22, 2018, the Civil Procedural Rules Committee (Committee) published a proposed rule change in the

More information

NON-PRECEDENTIAL DECISION - SEE SUPERIOR COURT I.O.P

NON-PRECEDENTIAL DECISION - SEE SUPERIOR COURT I.O.P NON-PRECEDENTIAL DECISION - SEE SUPERIOR COURT I.O.P. 65.37 COLLEEN M. TRIMMER, Individually; COLLEEN M. TRIMMER, Personal Representative of the Estate of MARK P. TRIMMER, Deceased; DARION J. TRIMMER,

More information

LIQUOR LIABILITY COVERAGE FORM

LIQUOR LIABILITY COVERAGE FORM COMMERCIAL GENERAL LIABILITY LIQUOR LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered.

More information

EMPLOYEE BENEFITS LIABILITY COVERAGE

EMPLOYEE BENEFITS LIABILITY COVERAGE THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYEE BENEFITS LIABILITY COVERAGE THIS ENDORSEMENT PROVIDES CLAIMS-MADE AND REPORTED COVERAGE. PLEASE READ THE ENTIRE ENDORSEMENT CAREFULLY.

More information

Application for Special Licence (for premises) Section 138, Sale and Supply of Alcohol Act 2012

Application for Special Licence (for premises) Section 138, Sale and Supply of Alcohol Act 2012 Application for Special Licence (for premises) Section 138, Sale and Supply of Alcohol Act 2012 To: The Secretary District Licensing Committee Far North District Council Private Bag 752 KAIKOHE 0440 This

More information

Welcome to the Main Library! We look forward to serving you and hope that we will be able to provide space for your public meeting.

Welcome to the Main Library! We look forward to serving you and hope that we will be able to provide space for your public meeting. St. Johns County Public Library System Main Library 1960 N. Ponce de Leon Blvd. St. Augustine, FL 32084 904.827.6940 - phone 904.827.6945 - fax www.sjcpls.org Dear Meeting Room Applicant: Welcome to the

More information

Basis for Legal and Regulatory Risk

Basis for Legal and Regulatory Risk Basis for Legal and Regulatory Risk Activities 1 Basis for Legal and Regulatory Risk Activity 1 Describing the Basis for Legal and Regulatory Risk 1. A wrongful act or an omission, other than a crime or

More information