Michael R. Kelley

Michael R. Kelley

McNees Wallace & Nurick LLC

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Latest Posts › Commercial General Liability Policies

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How the Pennsylvania Supreme Court's Decision in Mutual Benefit Will Affect Your Business Insurance Coverage

On May 26, 2015, the Pennsylvania Supreme Court handed down its much anticipated decision in Mutual Benefit Ins. Co. v. Christos Politsopoulos. The decision is good news for policyholders, particularly those who use...more

6/11/2015 - Additional Insured Commercial General Liability Policies Commercial Insurance Policies Construction Industry Contractors Policy Exclusions

Is That Covered? Lost Insurance Policy

Many liability policies are triggered when an event giving rise to a covered claim occurs, rather than when the claim is asserted or filed with the court. This is often true of the most common type of liability coverage -...more

6/3/2015 - Asbestos Asbestos Litigation Commercial General Liability Policies Evidence Liability Insurance

Is that Covered? Data Breach

With all of the data breach issues in the news, we thought that this decision might be of interest to you. The Connecticut Supreme Court today affirmed a lower court ruling denying coverage to IBM for more than $6 million in...more

5/19/2015 - Commercial General Liability Policies Commercial Insurance Policies Cyber Insurance Data Breach IBM Social Security Numbers Trucking Industry

Is That Covered? "Additional Insured" Coverage for Claims Brought by Employees of Named Insured

Consider this common scenario: Big Shopping Mall owns the local shopping development and leases stores to multiple tenants, including the Popular Chain Restaurant. An employee of the Popular Chain Restaurant, Bob Suzealot, ...more

10/8/2014 - Additional Insured Commercial General Liability Policies Commercial Leases Employer Liability Issues Policy Exclusions Third-Party Liability

Insuring Your Business - March 2014

In This Issue: - Is That Covered? Timely Reporting of Food Claims - Business Interruption Coverage for Food Recall Claims - Excerpt from Is That Covered? Timely Reporting of Food Claims - When food...more

3/7/2014 - Business Interruption Commercial General Liability Policies Food Manufacturers Food Recalls Food Safety

Insuring Your Business - March 2014: Business Interruption Coverage For Food Recall Claims

Most insurance coverage is aimed at accidental losses. Policyholders are generally on their own when it comes to economic losses. One important exception to this rule is coverage for business interruption losses. When...more

3/6/2014 - Business Interruption Commercial General Liability Policies Food Recalls

Reviewing Your Business Insurance Program: Not Every Business Does It, but Every Business Should

An effective insurance program is vital for every business. But how much coverage do you need? Are there holes in your coverage? How can you save money on insurance premiums? An insurance audit or review can answer...more

2/10/2014 - Commercial General Liability Policies

Is That Covered? Business Insurance Audit

Does your business client have the right amount of liability insurance coverage? What is a co-insurance penalty? Is your client covered for a product recall? What is cyber liability coverage and should your client have it?...more

1/3/2014 - Commercial General Liability Policies Cyber Insurance D&O Insurance Professional Liability

Insuring Your Business - December 2013: Is That Covered? Food Recall Claims

Insurance Premiums represent the third or fourth highest business expenses for most food manufacturers and distributors. But, even with all of those premium expenses, many food producers and distributors find that their food...more

12/17/2013 - Business Interruption Commercial General Liability Policies Food Recalls

Is That Covered? Holiday Parties

Let's say that you are having a Holiday party (with alcohol served) at your home, or you are a business owner and have a voluntary "company" party for your employees. If someone becomes "visibly intoxicated" at your party,...more

12/16/2013 - Commercial General Liability Policies Holiday Parties

How Long Should I Keep My Insurance Policies?

Policyholders often ask, “How long should I keep my insurance policies?” Is it three years? Seven years? The short answer is none of the above. Here are some brief recommendations regarding document retention for insurance...more

6/20/2013 - Auto Insurance Claims Made Policy Commercial General Liability Policies D&O Insurance Data Retention Errors and Omissions Policy Excess Policies Homeowner's Insurance Insurers Occurrence Professional Liability Statute of Limitations

Is That Covered? How Long Should I Keep an Insurance Policy?

Here's an often asked question: "How long should I keep my insurance policies?" Is it three years? Seven Years? The short answer is none of the above. Here are my recommendations...more

4/11/2013 - Commercial General Liability Policies D&O Insurance Errors and Omissions Policy Insurers Occurrence Professional Liability

Is That Covered? Cumis Counsel (March, 2013)

Let's say that you or your client is sued for breach of contract and negligence. You send the suit papers to the general liability insurer and it agrees to defend the claim, but under a "reservation of rights." The basis of...more

4/2/2013 - Breach of Contract Commercial General Liability Policies Cumis Counsel Duty to Defend Insurers Negligence Reservation of Rights

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