Home Sharing Coverage Options for Customers
E&O Tip Homeowners’ policies vary, as do the interpretations of business use by individual insurers. Be sure that you understand how each policy you offer and each insurer will respond…
Ask Tim
One More Myth About New York’s Certificates of Insurance Law– Workers’ Compensation Forms
I have returned this morning from 11 days off. I spent a few days in the Thousand Islands region with some college friends, spent a week with my family on…
The Myths About New York’s Certificates of Insurance Law
In just 18 days, New York’s certificates of insurance law will take effect. The New York State Department of Financial Services has posted an initial list of certificate forms it…
New York’s Scaffold Law and a Temporary Worker Exclusion
This endorsement excludes Labor Law claims and other injury claims involving temporary workers.
A Manhole-Sized Bad Court Decision
Last year, I developed and taught a continuing education course titled Absolute Liability: New York’s Scaffold Law and the Courts. The course looked at the history and interpretation of New York…
New York’s Scaffold Law: Why Worker Conduct Doesn’t Matter
New York’s so-called “scaffold law” (Sections 240(1) and 241(6) of the state’s Labor Law) has become notorious. Detractors in the insurance, construction, and real estate industries say it is unfair, redundant, and the…
Countering the Scaffold Law Rhetoric
Claim: Reforming the Scaffold Law would be unfair to workers, who would have no recourse in court.Response: Reform would not limit any worker’s right to sue, nor would it shield…
Does New York Rental Car Coverage Apply To a Borrowed Car?
Question from member: “A client of ours incurred damage on a loaner car that was provided to them while their car was in for service. We filed a claim with their…
Will HO Policy Cover Accidental Injury to Foster Children?
Question from an IIABNY member: “We have an insured who is taking in three foster children from Family Court. The mother of the children is heading to jail for a year. She is…
It’s Not the Wind, It’s the Water
“Hurricane Sandy revealed just how real storm surge risk is,” commented Dr. Claire Souch, vice president, model solutions at RMS. “Our model shows there is a 20 percent chance that…
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