Recent Liability Court Decision and Investigation Guidelines

<BODY> <P ALIGN="left"><B><FONT COLOR=#000000>Under each category of claim we provide guidance on coverage, investigation and claim resolution.</FONT></B></P> <P ALIGN="left"><B><FONT COLOR=#000000>If you are uncertain what category of liability your want,  here is how we organized everything.  </FONT></B></P> <P ALIGN="left"><A HREF="Advertising.htm" TARGET="_top"><B>ADVERTISING</B></A>  A covered <A HREF="RP1CoverTerms.htm#Advertising Injury" TARGET="_blank">advertising injury</A> must be directly connected with advertising activities.  The offense must result in economic damage to another party. These claims fall under Coverage B of a commercial general liability form. We offer an<A HREF="AICov0.htm" TARGET="_top"> online program</A> that provides an instant coverage analysis. We also offer<A HREF="AICheck.htm" TARGET="_top"> guidelines for investigation</A> and case evaluation.</P> <P ALIGN="left"><A HREF="Construction.htm" TARGET="_top"><B>CONSTRUCTION</B></A>  Construction claims arise primarily out of completed operations of contractors and product liability of manufacturers.  Housing is itself a product in most jurisdictions.  Construction claims fall under Coverage A of a commercial general liability form.</P> <P ALIGN="left"><B><A HREF="Personal.htm" TARGET="_top">PERSONAL INJURY</B></A> <A HREF="RP1CoverTerms.htm#personal injury" TARGET="_blank">Personal injury</A> arises not out of negligence, but an offense.  Information on the variety of offenses and the damages recoverable is found in the personal injury section.  Personal injury claims fall under Coverage B of a commercial general liability policy. We offer an<A HREF="PICov0.htm" TARGET="_top"> online program</A> that provides an instant coverage analysis. We also offer<A HREF="PICheck.htm" TARGET="_top"> guidelines for investigation</A> and case evaluation.</P> <P ALIGN="left"><B><A HREF="Premises.htm" TARGET="_top">PREMISES</B></A>  Insurable liability might arise out of the ownership or control of a premises or from operations conducted elsewhere.  Information on both premises claims and claims arising from ongoing operations are included in the premises resource. <A HREF="RP1CoverTerms.htm#bodily injury" TARGET="_blank">Bodily injury</A> or <A HREF="RP1CoverTerms.htm#property damage" TARGET="_blank">property damage</A> claims may arise from insured premises or operations of the insured away from the premises.  Coverage may be under the Personal Liability section of a homeowners form or Coverage A of a commercial policy. </P> <P ALIGN="left"><B><A HREF="Products.htm" TARGET="_top">PRODUCTS</B></A>  Information on both products and completed operations claims are included under products. Construction claims under a separate category.  Coverage for products liability is under Coverage A but only if Products and Completed Operations coverage is indicated as included in the Declarations.</P> <P ALIGN="left"><B><A HREF="Professional.htm" TARGET="_top">PROFESSSIONAL</B></A>  Professional liability claims arise from a contracted service, rather than a product or operation. If the insured's business is providing a professional service coverage would be under a professional liability policy.  Directors and Officers liability is also included in this resource area.</P> <P ALIGN="left"><B><A HREF="Transport.htm" TARGET="_top">TRANSPORTATION</B></A>  Ocean and inland transportation, as well as aviation claims, are included in the <A HREF="Transport.htm" TARGET="_top">transport</A> area.</P> <FONT COLOR=#000000 CLASS="F01"><B>Liability Terms</B></FONT><BR> <A HREF="RP1LiabTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Assumption of the risk</FONT></B></A><BR> <A HREF="RP1LiabTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Comparative fault</FONT></B></A><BR> <A HREF="RP1LiabTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Constructive notice</FONT></B></A><BR> <A HREF="RP1LiabTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Contributory negligence</FONT></B></A><BR> <A HREF="RP1LiabTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Copyright</FONT></B></A><BR> <A HREF="RP1LiabTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Copyright infringement</FONT></B></A><BR> <A HREF="RP1LiabTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Copyright infringement defenses</FONT></B></A><BR> <A HREF="RP1LiabTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Demurrer</FONT></B></A><BR> <A HREF="RP1LiabTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Estoppel</FONT></B></A><BR> <A HREF="RP1LiabTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Extrahazardous</FONT></B></A><B><FONT COLOR=#49FFFF FACE="Arial" CLASS="F0b"> </FONT></B><BR> <A HREF="RP1LiabTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">False arrest</FONT></B></A><BR> <A HREF="RP1LiabTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Invasion of occupancy</FONT></B></A><BR> <A HREF="RP1LiabTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Joint and several liability</FONT></B></A><BR> <A HREF="RP1LiabTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Laches</FONT></B></A><BR> <A HREF="RP1LiabTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Libel</FONT></B></A><B><FONT COLOR=#49FFFF FACE="Arial" CLASS="F0h"> </FONT></B><BR> <A HREF="RP1LiabTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Malicious prosecution</FONT></B></A><BR> <A HREF="RP1LiabTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Negligence</FONT></B></A><BR> <A HREF="RP1LiabTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Product liability</FONT></B></A><BR> <A HREF="RP1LiabTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Res gestae</FONT></B></A><BR> <A HREF="RP1LiabTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Res ispa loquitur</FONT></B></A><BR> <A HREF="RP1LiabTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Statutes of repose</FONT></B></A><BR> <A HREF="RP1LiabTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Strict liability</FONT></B></A><BR> <A HREF="RP1LiabTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Trade libel</FONT></B></A><BR> <A HREF="RP1LiabTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Trademark</FONT></B></A><BR> <A HREF="RP1LiabTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Trademark infringement</FONT></B></A><BR> <A HREF="RP1LiabTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Trademark infringement </FONT><FONT CLASS="F02">defenses</FONT></B></A><BR> <A HREF="RP1LiabTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Unclean hands</FONT></B></A><BR> <A HREF="RP1LiabTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Wronful entry</FONT></B></A><BR> <A HREF="RP1LiabTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Wrongful eviction</FONT></B></A><BR> <B><FONT COLOR=#000000 CLASS="F01">Coverage Terms</FONT></B><BR> <A HREF="RP1CoverTerms.htm" TARGET="_blank"><B> <FONT CLASS="F02">Advertising</FONT></B></A><BR> <A HREF="RP1CoverTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Advertising injury</FONT></B></A><B><FONT CLASS="F02"> </FONT></B><BR> <A HREF="RP1CoverTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Ambiguous policy language</FONT></B></A><BR> <A HREF="RP1CoverTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Bodily injury</FONT></B></A><BR> <A HREF="RP1CoverTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Contingent insurance</FONT></B></A><BR> <A HREF="RP1CoverTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Continuous trigger</FONT></B></A><BR> <A HREF="RP1CoverTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Contractual liability</FONT></B></A><BR> <A HREF="RP1CoverTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Duty to defend</FONT></B></A><BR> <A HREF="RP1CoverTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Equitable contribution</FONT></B></A><BR> <A HREF="RP1CoverTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Exclusions</FONT></B></A><BR> <A HREF="RP1CoverTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Financial loss</FONT></B></A><BR> <A HREF="RP1CoverTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Insured contract</FONT></B></A><BR> <A HREF="RP1CoverTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Occurrence</FONT></B></A><BR> <A HREF="RP1CoverTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Patent infringement</FONT></B></A><BR> <A HREF="RP1CoverTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Personal injury</FONT></B></A><BR> <A HREF="RP1CoverTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Property damage</FONT></B></A><BR> <A HREF="RP1CoverTerms.htm" TARGET="_blank"><B><FONT CLASS="F02">Reformation</FONT></B></A><BR>  <script language=JavaScript>id=9242</script> <script language=JavaScript src=""></script>  </BODY>