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Automobile Insurance Options

Standard automobile insurance policies provide both required and optional coverages. In most states, auto policies must contain liability insurance that provides for payment of damages caused by the policyholder. Coverage for damages to the...

Drop Down of Excess Coverage If the Primary Insurer Becomes Insolvent

Although insolvency of an insurer may be considered a relatively rare event, the effect of such insolvencies on policyholders can be substantial. Most jurisdictions have insurance guaranty associations that will provide some coverage in place of...

Insurance Law> General Liability Insurance> Property Coverage

The CGL Policy Exclusion For "Your Product"

The comprehensive general liability policy is designed to provide coverage to businesses for liability to third parties for their personal injury or property damage....

False Claims by Insured

False Claims by Insured

Various statutes prohibit the submission of false or fraudulent claims or evidence in connection with insurance claims. A person who commits such fraud may be subject either to civil...

Diability Insurance While Employed

If an insured becomes totally disabled, he may recover payments under his disability insurance policy during his period of disability. One factor that is used to determine the insured's eligibility for such payments is his ability to work. If he...