Midwest Insurance Law Guide
The Risk Of Ride Sharing Services
Fill up your cup of coffee friends. We need to hunker down and get real here about the dark side of ride-sharing. Would you get into a stranger's car on a street corner and ask for a ride? Would you want your stranger to have adequate insurance in case of an accident? Would you want your stranger to pass a rigorous test confirming his driving [...]
ITS ANOTHER WHOPPER!! “BIG FISH” RULING ON INSURANCE FROM 8TH CIRCUIT!
YOU HAD BETTER READ THAT INSURANCE APPLICATION BEFORE YOU SIGN IT. YES, SIREE. BUT NOT ALWAYS. This point was brought home by the 8th Circuit in the case of Metropolitan Prop. and Cas. Ins. v. Calvin, 802 F.3d 933 (2015). There, Calvin's house burnt down. He collected insurance and rebuilt on the [...]
INSURANCE COVERAGE CAN MITIGATE CYBER RISK – But Know Your Coverage Gaps
Standard CGL Policy May NOT Cover Most Cyber Risks. It has become clear that network security alone is inadequate to mitigate a company's cyber risk. Hackers have shown just this last year that they can penetrate firewalls and network security systems. Insurance coverage should be part of your risk management protocol. But to [...]
RAILROAD ADDITIONAL INSURED COVERAGE
KEEPS CHUGGING ALONG... Railroads have been asking for additional insured coverage from their vendors, contractors and lessees for some time now. The body of case law challenging that coverage is slowly building. In the railroads' favor. Let's take a look together at the most recent case for some additional nuggets of insight. [...]
BOP POLICY WILL NOT COVER RAIN LEAKS
Oh the horror of extensive water damage – especially to a business operation!! Insurers know this well. Companies are very careful to underwrite only certain losses in a standard BOP (business operations policy) insurance form. All other rain and water losses need to be covered by endorsement at [...]
ADDITIONAL INSURED COVERAGE – DENIED!!
There is a new case you should know about... In Re Deep Water Horizon ...only because everyone else is talking about it. Let's break it down here, Dear Readers! The Texas Supreme Court last week decided In Re Deepwater Horizon , No. 13-0670 (Tex. Sup. Ct. Feb. 13, 2015). (Hover and [...]
About the Blog
The Midwest Insurance Law Guide provides legal insight into complex insurance issues – in an inviting and uncomplicated manner. Our goal is to help insurance executives, claims professionals, and attorneys understand how the law interprets policy language.
Anne Marie O’Brien and Mike Storey
Editors and Authors
