Certificates of insurance pose major problems for all parties – the insurance company, agents, and the insured.
Here are twelve steps to reading your insurance policy after a loss.
Contact information for the Department of Insurance for California Fire victims
When courts evaluate an insurer's denial of benefits under a group disability insurance policy under ERISA, one of two standards of review applies: abuse of discretion and de novo.
Property insurance can take two different forms: open peril or named peril. Open peril policies cover all losses that are not expressly excluded.
A typical property insurance policy limits the value of the particular property insured through deductibles and policy limits for claimed losses.
Insurance policies follow the adage that “what is giveth is taketh away.” The vast majority contain broad grants of coverage in the opening pages, only to be followed by numerous exclusions several pages later.
There are two broad categories of insurance: first-party and third-party. This article explains an easy way to understand the distinction is as follows.