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Defamation! Libel! Slander! Is there coverage for that?

Posted on March 25, 2019 at 2:15 PM Comments comments (2)

The webinar that I did for the SILA Foundation (Sila.org) about Defamation, Libel, Slander, Insurance Coverage, and Freedom of the Press is available here: http://www.silafoundation.org/2019/02/webinar-defamation-libel-slander/

Topics include:

Do liability insurance policies cover defamation?

Court Affirms $350k Verdict for Lawyer Smeared on Avvo.

Can you sue Facebook, Yelp, Avvo or other social media platforms for defamation?

Section 230 of the Communications...

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The Time I helped a WWII Veteran Avoid Eviction

Posted on March 20, 2019 at 12:20 AM Comments comments (0)

Pro Se Clinic Helps WWII Veteran and Family Avoid Eviction

By: Diane Roth

FBA-Inland Empire Review, Issue 16, Spring, 2015

http://www.fedbar.org/Image-Library/Chapters/Inland-Empire/Newsletters/Spring-2015.aspx

A World War II veteran, his wife, and 15-year old dependent granddaughter can stay in their home thanks to our Pro Se Clinic volunteers.


WWII veteran Mr. A of Hesperia called PSLC for help when he received a foreclosure notice from his bank. ...

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Discourse, Discord, and Defamation: When Does the CGL Respond?

Posted on March 8, 2019 at 5:40 PM Comments comments (0)

This article originally appeared in the Winter, 2018 edition of Resources Magazine, a Publication of the National Alliance for Insurance Education and Research, www.scic.com/news/post/discourse-discord-and-defamation

By Dwight M. Kealy, J.D., MA, CIC, AAI

In the tumult of our modern public discourse, do you ever wonder how someone can blatantly tell a mistruth about another person, and get away with it? Truth be told, if you say or write a false defamatory statement of fact a...

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You don't go to the beach without sunscreen, but you have a California business without earthquake insurance?

Posted on December 2, 2018 at 10:15 PM Comments comments (0)

You don’t go to the beach without sunscreen, but you have a California business without earthquake insurance? You pay the parking meter, but you don’t have protection for your lost business income if your business gets shut down because an earthquake wipes out all power and water to your business? There is a chance that you don’t get sun burned and a chance that you don’t get a parking ticket. What are the chances of your business not experiencing an earthquake loss...

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Bonds in the CGL Policy

Posted on August 19, 2016 at 1:00 AM Comments comments (3)

A Look at Bail Bonds and Bonds to Release Attachments in the CGL Policy

This article originally appeared in the Winter, 2015 issue of Resources Magazine, a publication of The National Alliance for Insurance Education and Research.

     Most people do not think of the Commercial General Liability (CGL) Policy as a place to get payment for bonds, but the CGL Policy provides payment for two types of bonds: (1) up to $250 for the cost of bail bonds, ...

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Sharing the Blame: What happens when both sides are at fault?

Posted on October 7, 2015 at 12:25 AM Comments comments (0)

The article below originally appeared in the Fall, 2015 issue of Resources Magazine, a publication of The National Alliance for Insurance Education and Research.  The content and illustration come from my book Legal Concepts for Insurance Agent Ethics: How Agents Get Sued and Lose Their Licenses.  The book is available as an ebook or paperback at https://www.lulu.com/shop/search.ep?key...

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Construction Defects and Occurrence Form Policies

Posted on September 28, 2015 at 2:40 PM Comments comments (1)

The article below appeared in the September 21, 2015 issue of The Insurance Journal.  The illustrations and content come from my book Understanding the Commercial General Liability Policy.  

The commercial general liability (CGL) policy is the standard ins...

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Additional Insured Endorsements in Construction

Posted on June 29, 2015 at 2:40 PM Comments comments (0)

The article below appeared in the June 15, 2015 issue of The Insurance Journal.  It originally came from my book Understanding Named, Automatic,and Additional Insureds in the CGL Policy.

To get on a job, contractors often have to show proof of insurance and name the...

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The Impact of Prior Work Exclusions and Sunset Provisions in CGL Policies

Posted on May 30, 2015 at 12:05 AM Comments comments (1)

Note: This article originally appeared in the September 8, 2014 issue of the Insurance Journal.

The commercial general liability (CGL) occurrence form policy is like a row of briefcases each filled with $1 million.

 

Inscribed on the front of each briefcase is a year representing a specific annual policy period. Each briefcase has a combination lock. If you have the right combination, you can open the briefcase and take as much money as you need to pay damages cov...

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Contractors and the CGL Policy's "Your Product" and "Your Work" Exclusions

Posted on December 10, 2013 at 7:10 PM Comments comments (0)


     Dear Contractors: The wall you just built may not be covered by your insurance the way you think it is. This is because although the commercial general liability (CGL) policy may cover bodily injury or property damage to others resulting from your product or work, the policy specifically excludes damage to your property, product or work.

     It is important for agents working with contractors to understa...

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