The Property Insurance Law Observer

SEPTEMBER 23, 2024

American Guarantee and Liability Insurance Company , the United States District Court for the District of Massachusetts held that a loose bolt or fitting that could be remedied simply by tightening it did not constitute “direct physical loss of or damage” to equipment covered under an all-risk property insurance policy. [1]

Damage 130

Damage Business Interruption Property Damage Policy 130

Simply Insurance

JUNE 12, 2025

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Insurance Quotes 52

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Simply Insurance

JUNE 10, 2025

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Insurance Quotes 52

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Simply Insurance

JUNE 12, 2025

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Insurance Quotes 52

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Simply Insurance

JUNE 9, 2025

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Insurance Quotes 52

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Simply Insurance

JUNE 9, 2025

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Insurance Quotes 52

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Simply Insurance

JUNE 11, 2025

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Insurance Quotes 52

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Simply Insurance

JUNE 9, 2025

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Insurance Quotes 52

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Simply Insurance

JUNE 10, 2025

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Insurance Quotes 52

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Simply Insurance

JUNE 12, 2025

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Insurance Quotes 52

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Simply Insurance

JUNE 9, 2025

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Insurance Quotes 59

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Simply Insurance

JUNE 10, 2025

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Insurance Quotes 52

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Boyle Agency Insurance

FEBRUARY 3, 2025

Standard home insurance policies typically have restrictions regarding vacant homes, and this specialized coverage can bridge the gap during renovation periods. Builder’s Risk Insurance For major renovations or construction projects, builder’s risk insurance can be invaluable.

Home Insurance 45

Home Insurance Theft Insured Insurance 45

The Property Insurance Law Observer

MARCH 18, 2024

A federal court recently held that an insurer could not deny coverage under a homeowner’s policy based upon the failure of the named insured’s son, an “insured person,” to submit to an examination under oath (“EUO”). Allstate Vehicle and Property Insurance Company , Civil Action No. 23-cv-4643 (E.D.

Insured 130

Insured Insurance Insurer Policy 130

The Property Insurance Law Observer

MARCH 4, 2024

26, 2024), the Western District of Washington considered competing motions for partial summary judgment in a property damage case involving a winter storm, where large amounts of rain and melted snow backed the drain up and the force of the water pushed through the exterior door causing damage to the entire basement level.

Damage 130

Damage Policy Claim Property Damage 130

The Property Insurance Law Observer

AUGUST 1, 2024

In Zurich American Insurance Company v. Medical Properties Trust, Inc. It instructed that the insurers could have defined surface waters to include the unusual accumulation of rainwater on a roof, but they failed to do so. As such, the Court stated that such ambiguity warranted resolution in favor of the insureds.

Commercial Property 130

Commercial Property Damage Policy Commercial 130

Shield Insurance Agency

AUGUST 20, 2024

Small Insurance Claims Can Raise Premiums Small insurance claims, such as those for minor property damage, may seem like a hassle to deal with. Many policyholders may be tempted to file a claim for every little incident in the belief that their insurance policy will cover all damages.

Insurance Claim 52

Insurance Claim Claim Protection Out-Of-Pocket 52

Freeway Insurance

JANUARY 3, 2025

Many insurance professionals recommend taking steps now to handle a possible increase when you renew your insurance policy. What’s Causing the 2025 Insurance Boost in California? One of the primary reasons for the 2025 California car insurance increase is legislative.

Auto Insurance 98

Auto Insurance Premium Liability Insured 98

The Property Insurance Law Observer

AUGUST 22, 2024

Harleysville Insurance Company , 2024 WL 3792261 (D. 2024), the District Court of Massachusetts found that “collapse” provisions within a commercial property policy were ambiguous where a floor merely sagged without completely falling to the ground. In Life Skills, Inc.

Building 130

Building Commercial Property Policy Damage 130

Distinguished

APRIL 29, 2025

Environmental hazards, coupled with the challenges of managing tenants, make landlord insurance an essential investment. Without the right safeguards in place, landlords could face significant financial losses from damages, legal claims, or lost rental income. How Much Does a Landlord Insurance Policy Cost in Colorado?

Liability 52

Liability Financial Loss Insured Insurance 52

Bankers Insurance

MAY 16, 2024

Sustained losses inflicted by natural disasters spurred some insurance companies to pull out of the homeowners insurance market in high-risk areas, such as California and Florida, leaving residents with fewer options and higher prices. Even among typical homeowners policies, premiums likely increased year over year.

Home Insurance 52

Home Insurance Policyholder Insured Out-Of-Pocket 52

TGS

NOVEMBER 1, 2024

In many states, you’re required to file a police report for accidents that involve injuries or significant property damage. Plus, having a police report on file can help you later when dealing with insurance claims. You’ll need their name, contact details, insurance policy number, and driver’s license information.

Injury 52

Injury Home Insurance Claim Damage 52

Protect Commercial Insurance

JULY 26, 2024

Property insurance can protect these assets from damage or loss due to fire, theft, or other covered perils. General Liability Insurance General liability insurance is essential for any business, including tailors. Product Liability Insurance As a tailor, you create and sell products to your customers.

Commercial 52

Commercial Insurance Broker General Liability Business Interruption 52

Jackson & Jackson

MAY 23, 2024

Understanding Small Business Insurance in California The Basics of Business Insurance Before diving into the world of insurance savings, it’s crucial to understand the basics of business insurance. Small business insurance covers property damage, liability claims, and employee-related risks.

Small Business Insurance 52

Small Business Insurance Business Insurance Insured Insurance 52

TGS

OCTOBER 3, 2023

How to Read Your Homeowners Insurance Quote 1. Insurance Company 2. Policy Number 3. Name of Insured 4. Policy Period 5. Insured Address 6. Insurance Company The name of the carrier that will be insuring your home can be found at the top of your quote. Deductibles 8.

Insurance Quotes 52

Insurance Quotes Deductible Home Insurance Out-Of-Pocket 52

Jackson & Jackson

AUGUST 16, 2024

This guide aims to shed light on the basics of homeowners insurance, the challenges specific to California’s insurance market, the reasons why finding coverage is more challenging now, tips for homeowners to navigate these obstacles, and a glimpse into the future of homeowners insurance in the state.

Insured 52

Insured Insurance Insurer Risk 52

Protect Commercial Insurance

NOVEMBER 8, 2024

Understanding Commercial Insurance Commercial insurance is an essential part of safeguarding your business against unforeseen events that could lead to financial loss. It provides protection against a plethora of risks, including property damage, liability claims, theft, and even employee injuries.

Commercial Insurance 52

Commercial Insurance Commercial Premium Deductible 52

Cover4LetProperty

OCTOBER 10, 2022

That is why a buildings insurance and contents policy typically arranged for the owner-occupying homeowner will not cover a property that is being let out either totally or even in part (a room or two in your own home, for instance). What does let property insurance cover offer by way of protection?

Insured 52

Insured Insurance Insurer Property Insurance 52

Property Insurance Centre

MARCH 19, 2024

One effective way insurers can contribute to consumer education is by including educational materials with insurance policies. “Insurance companies should prioritize consumer education to build trust and ensure policyholders understand their rights and responsibilities.

Property Insurance 52

Property Insurance Policyholder Insured Insurance 52

Property Insurance Centre

JANUARY 4, 2024

Unpredictable weather events and the rise in natural catastrophes pose significant challenges for the property insurance industry. Insureds are facing substantial property losses, leading to increased financial burdens. To offset these challenges, reinsurers are passing costs down to primary insurance companies.

Property Insurance 52

Property Insurance Commercial Property Liability Insured 52

Risk Management Monitor

SEPTEMBER 30, 2022

To the north, post-tropical storm Fiona inflicted catastrophic damage across parts of eastern Canada last week, causing devastating property damage and leaving hundreds of thousands of Canadians without power. Gather insurance policies and related insurance records.

Damage 75

Damage Claim Broker-Agent Risk 75

Distinguished

MAY 13, 2025

What Should Hotel Insurance Cover? Thats why they need broad and comprehensive insurance policies that can cover them, whether theres a fire in the kitchen or a slip at the pool. Commercial auto : A comprehensive policy that covers commercial vehicles if theyre involved in an accident, vandalized, or stolen.

Broker 52

Broker General Liability Liability Insured 52

Cover4LetProperty

AUGUST 23, 2022

What doesn’t buy-to-let insurance cover? Most landlord insurance policies are unlikely to include the employers’ liability insurance cover you are legally obliged to arrange if you employ anyone (but for a few rare exceptions) to help run your buy to let business.

Insured 40

Insured Insurance Insurer Property Insurance 40

The Property Insurance Law Observer

APRIL 1, 2025

RLI Insurance Company (2025 WL 852889 (8th Cir. 2025), the United States Court of Appeals for the Eighth Circuit determined that an ensuing loss provision of a builders risk insurance policy did not restore coverage resulting from defective workmanship where the insured failed to identify a separate covered peril.

Damage 130

Damage Policy Insurance Policy Risk 130