Trying to help another agent.  If property was at a non owned premises and meant to be installed on this premise when it became a job site, is that really...
22803
Barry Zalma
bzalma
Sep 1, 2011 2:05 pm
I agree, Tim, not temporary but at a work site. *-----* *Regards, * *<http://www.zalma.com>* *Barry Zalma, Esq., CFE <mailto:zalma@...> * *Law office* ...
22804
Dave Morgan
risklist2004
Sep 1, 2011 2:27 pm
I'm not a property expert, but it strikes me that the exclusion is intended to clarify what's covered under the property policy and what's covered under the...
22805
Donald Malecki
dsmmcc
Sep 1, 2011 2:58 pm
See page 117 of The Builders Risk Book. From: Tim Wahl <wahl2@...> To: Risklist Main Email <RiskList@yahoogroups.com> Sent: Thursday, September 1, 2011...
22806
Barry Zalma
bzalma
Sep 1, 2011 4:16 pm
The September 1, 2011 issue of Zalma's Insurance Fraud Letter is now available at http://www.zalma.com/ZIFL-CURRENT.htm. *-----* *Regards, * ...
22807
Varner, Carl
wetbuckeye
Sep 1, 2011 4:23 pm
Tim, another take on this is that the extension of coverage only applies to "covered property" which is defined as BPP in or on the premise described in the...
22808
Tim Wahl
wahl2
Sep 1, 2011 4:28 pm
Below info from agent.   This reminds me of 20 years ago when I was new to insurance, I was young and a rebel, I loved learning the forms and...
22809
Phil Bly
risk7man
Sep 1, 2011 7:28 pm
My wife has a co-worker who is planning on sueing her employer for sexual harrassment. I would to if I were her. She asked me what will happen after the...
22810
Barry Zalma
bzalma
Sep 1, 2011 8:01 pm
It depends on the employer but my guess is she will be fired unless it is a major corporation where they can mover her away from the harasser. *-----* ...
22811
Rick Betterley
rickbetterley
Sep 1, 2011 8:28 pm
Get fired? That just adds retaliation to the complaint. More likely, she will get moved to another position if possible, allowed to not work (with pay) if...
22812
Barry Zalma
bzalma
Sep 1, 2011 8:30 pm
I don't know what will happen Rick but this type of case is usually an ugly war. *-----* *Regards, * *<http://www.zalma.com>* *Barry Zalma, Esq., CFE...
22813
Rick Betterley
rickbetterley
Sep 1, 2011 9:12 pm
Me either - but I am pretty confident in the ugly part. Rick Betterley President Click here for <http://www.betterley.com/blog/> The Betterley Report Blog on...
22814
Lyn Martin
mlynmartin
Sep 2, 2011 2:00 pm
Phil, I think the suing employee should get the answer from her attorney. I imagine the answer varies from state to state as well as, perhaps, on whether she...
22815
nancy@...
insurancecop...
Sep 3, 2011 5:30 pm
If they fire her or transfer her, it could start a retaliation claim on top of harassment. A sophisticated firm will try to keep the alleged harasser away from...
22816
Akos Swierkiewicz
ircosllc
Sep 4, 2011 2:16 pm
If she needs a good lawyer, I could recommend one. You can reach me off-line through my business e-mail address, akos.s@... Akos Swierkiewicz IRCOS,...
22817
risklistjt@...
jt10573
Sep 6, 2011 1:26 am
I've just posted a copy of the article "Claims Made: Prior Acts vs Continuity of Coverage" that was printed in the Insurance Advocate. If you'd like to read...
22818
Dave Morgan
risklist2004
Sep 6, 2011 3:18 am
Interesting article. In theory, "Claims Made", or even the more elusive manifestation trigger, make a lot more sense when you're talking about long tail...
22819
Barry Zalma
bzalma
Sep 6, 2011 3:14 pm
Senior engineer Gerald Mistretta <http://www.nydailynews.com/topics/Gerald+Mistretta>'s pay was $771,841 - and six of his co-workers raked in nearly as much -...
22820
Tim Wahl
wahl2
Sep 7, 2011 5:28 am
Jerry, Nice article Jerry!!!!  It's a great explanation of the issues with Full Retro, 20 years ago I was young and dumb and bought into the underwriters...
22821
Barry Zalma
bzalma
Sep 7, 2011 1:46 pm
Best reports that carriers are waiving deductibles in Connecticut. Although this may get them good publicity why would they change a provision for which they...
22822
L. Kevin O'Connor
koconnor@...
Sep 7, 2011 2:19 pm
In RI the Department of Business Regulation sent out a notice that no hurricane/storm/windstorm deductible could be applied to Personal Lines claims....
22823
Barry Zalma
bzalma
Sep 7, 2011 2:22 pm
Where does a department of a state have the power to change the wording of a contract? Is the state ready to reimburse the insurers for the money that is...
Barry,  You are right, this sets a very dangerous precedent. I would like to know what the courts would say about the state changing a contract mid term,...
22826
Charles Chaffin
pignwhistle2002
Sep 7, 2011 3:16 pm
Jerry, Great summary of the issue. I use to wrestle with this issue dealing with hospitals. D&O was an issue, but the policy form changes were not as frequent...
22827
Barry Zalma
bzalma
Sep 7, 2011 4:07 pm
I was thinking about the Fifth Amendment to the US Constitution that provides: "nor shall private property be taken for public use, without just...
22828
Scott LeMay
smlemay
Sep 7, 2011 4:40 pm
Barry -- You are getting very introspective these days. First it was "Did I waste my time going to law school?," and now, "Am I a curmudgeon?" This is...
22829
Scott LeMay
smlemay
Sep 7, 2011 4:47 pm
Barry -- Now let's use that law degree. Does an insurance company actually collect a deductible on a Property (1st party) policy, or does it merely reduce the...
22830
Barry Zalma
bzalma
Sep 7, 2011 4:50 pm
I understand, Scott, but if I only owe you indemnity over $5,000 and you incur a $5,000 loss I owe you nothing but if forced to waive the deductible I owe you...
22831
L. Kevin O'Connor
koconnor@...
Sep 7, 2011 4:54 pm
I don't want to let an oversight on my part to continue not that it will make that much of a difference to the discussion. There was still a deductible. The...
