Michael R. Kelley

Michael R. Kelley

McNees Wallace & Nurick LLC

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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

Insuring Your Business - March 2014: Is That Covered? Timely Reporting of Food Claims

When food producers and distributors are faced with a product recall, one of the most common questions is: How soon, if at all, do you report the claim to your insurance company? The answer is simple—you should be reporting...more

3/5/2014 - Distributors Food Contamination Food Manufacturers Food Recalls Food Safety

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

Is That Covered?

If the long-term predictions prove to be true and we have a snowy Winter in 2013-14, policyholders may be faced with the issue of whether insurance covers damage to a business facility or home due to a roof collapse from the...more

1/2/2014 - Homeowner's Insurance Loss Coverage Loss of Income Property Insurance

Insuring Your Business - December 2013

In This Issue: Is That Covered? Food Recall Claims and Insurance Coverage for Food Claims: Communicating with Your Insurance Company Excerpt from Is That Covered? Food Recall Claims - Insurance Premiums...more

12/19/2013 - Food Manufacturers Food Recalls Food Safety

Insuring Your Business - December 2013: Insurance Coverage for Food Claims: Communicating with Your Insurance Company

One of the most frustrating aspects of dealing with a food insurance claim can be communicating with your insurance company adjuster. Knowing your insurance company’s obligations to you can help reduce the frustration....more

12/18/2013 - Claim Denial Letters Insurers Investigations Premiums

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

Insuring Your Business - September 2013

In This Issue: “Wrongful Acts” and the Jerry Sandusky Scandal and Insurance Spotlight: Management Liability Insurance Excerpt from “Wrongful Acts” and the Jerry Sandusky Scandal - It has been said that...more

9/5/2013 - Insurers Jerry Sandusky Liability Liability Insurance Management Liability Insurance Prior Wrongful Acts

Insurance Spotlight: Management Liability Insurance

If a company files for bankruptcy, allegedly as a result of mismanagement, are claims brought by the bankruptcy trustee against the former management of the company covered by insurance? The answer is yes, if the...more

9/4/2013 - Commercial Bankruptcy Insurers Management Liability Insurance

Insuring Your Business - September 2013: “Wrongful Acts” and the Jerry Sandusky Scandal

It has been said that “Hard cases make bad law.” On March 1, the Federal District Court for the Middle District of Pennsylvania ruled that Jerry Sandusky is NOT entitled to insurance coverage under the Second Mile’s...more

9/3/2013 - Attorney's Fees Insurers Jerry Sandusky Liability Insurance Prior Wrongful Acts

Top Ten Mistakes Businesses Make Regarding Insurance

10. No Flood Insurance - The standard commercial property policy does not cover flood damage. To be covered for flood damage, a business owner has to purchase a separate flood insurance policy. Flood insurance is not...more

8/6/2013 - Employer Liability Issues Employment Practices Liability Coverage Flood Insurance Insurers

It's Your Business News -- August 2013

In This Issue: Making the ‘Right’ Choice; Top Ten Mistakes Businesses Make Regarding Insurance; and You’ve Got the Job, Details Will Follow. Excerpt from Making the ‘Right’ Choice - You have the idea, you...more

8/6/2013 - Business Development Business Formation Business Ownership Choice of Entity Corporate Governance Entrepreneurs Insurers Small Business Small Business Formation Startups

Is That Covered? Management Liability Insurance

If a company files for bankruptcy, allegedly as a result of mismanagement, are claims brought by the bankruptcy trustee against the former management of the company covered by insurance?...more

6/27/2013 - Insurers Management Liability Insurance Trustees

Insuring Your Business -- June 2013

In This Issue: How Long Should I Keep My Insurance Policies? and Coverage Spotlight: Contract Litigation Insurance. Excerpt from How Long Should I Keep My Insurance Policies? - Policyholders often ask,...more

6/24/2013 - Auto Insurance Contract Litigation Insurance D&O Insurance Data Retention Errors and Omissions Policy Insurers Occurrence Professional Liability Umbrella Policies

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? Tanker Fire

On May 9, 2013, a tanker truck carrying thousands of gallons of diesel fuel, overturned and caught on fire on a ramp near Interstate 81 and route 322 in Harrisburg....more

5/13/2013 - Liability Negligence Trucking Accident

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

Is That Covered - Jerry Sandusky

On March 1, 2013 the Federal District Court for the Middle District of Pennsylvania ruled that Jerry Sandusky is NOT entitled to insurance coverage under the Second Mile's Employment Practices Liability insurance policy for...more

3/12/2013 - Employment Practices Liability Coverage Jerry Sandusky

Insuring Your Business -- March 2013

In This Issue: - Insurance Coverage Update: Reservation of Rights Letters - Insurance Spotlight: Cyber Risks. ...more

3/5/2013 - Cyber Insurance Cybersecurity Indemnification Insurers Reservation of Rights

Auto Notes -- February 2013

In This Issue: "Insuring Your Dealership: Do I Really Need Garage Liability and Garagekeeper's Insurance?" and "The American Taxpayer Relief Act"...more

2/11/2013 - American Taxpayer Relief Act Car Dealerships Commercial Insurance Policies Estate Tax Fiscal Cliff Garage Liability Insurance Garagekeeper's Insurance Generation-Skipping Transfer

Insuring Your Business -- December 2012

In This Issue: Insurance Coverage Related to Oil and Natural Gas Fracking; Finding Coverage For Fiduciary Liability Claims; and What’s the Difference Between an Insurance Certificate and an Additional...more

12/13/2012 - ERISA Fiduciary Duty Fracking Insurance Certificates Natural Gas Oil & Gas

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