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Don’t Rely on a CGL Policy for Automobile Insurance Coverage

Many business owners have a commercial general liability (CGL) policy covering their business. While CGL policies offer broad coverage for many types of losses, automobile accidents are generally not among those covered...more

Got mold? If so, you probably don’t have insurance coverage for it.

It happens all the time – a water leak in a house or other building goes unnoticed for some period of time, and then mold appears. Insurance policies generally provide coverage to repair water damage, provided other policy...more

Failure to prevent a data breach is not likely to be covered by a traditional CGL insurance policy.

In this high tech era we live in, creating, storing and using data is commonplace. The sheer quantity and scope of data has made protecting that data of paramount importance. Yet, every day we hear about another data...more

An improperly drafted reservation of rights letter — the easiest way for an insurer to waive policy coverage defenses.

In my most recent blogs (“Do you really need a court to tell you what the insurance policy covers? Litigating insurance coverage issues? When and how to turn to the courts”, Part 1 and Part 2), I addressed the various reasons...more

Do you really need a court to tell you what the insurance policy covers? Litigating insurance coverage issues? When and how to...

No one should know what an insurance policy covers better than the insurer itself. After all, the insurer wrote the policy, right? Yet there are times when coverage questions arise that even the drafter of the policy cannot...more

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