This program analyzes coverage issues associated with a personal injury claim..

This program is for general guidance only.  You should consult with an attorney before taking any action.
Policy language varies greatly so the specific policy language must be reviewed in each case.

Does any offense arise out of the conduct of, or on behalf of, the named insured? Yes No ?

Did the offenses and damages occur exclusively outside the policy territory?

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Did the offending acts begin after the end of coverage?

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Did the offending acts end before the coverage began?

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Is there libel or slander of a the claimant as a person or organization?

  Yes No ?

Is there disparagement of the claimant's products, goods or services?

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Was there a first publication of disparaging material prior to the beginning of coverage?

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Did the insured allegedly know the publication was false or was there a willful violation of the law?

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Is a violation of privacy involved or alleged?

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Was the offense connected to any advertising activities of the insured? Image

Is false arrest, detention, imprisonment, or malicious prosecution involved or alleged?

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Is wrongful eviction from a home, or wrongful entry into a home involved or alleged?

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Was the eviction on behalf of the owner, landlord or lessor?

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Is there a claim for injunctive relief or restitution?

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Is there a claim for monetary damages?

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Do the damages include a loss of profit that the insured earned instead of the claimant?

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Is environmental pollution claimed?

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Is there a claim for interference with a prospective business advantage?

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Was the conduct of the insured allegedly intentional?

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Is there a claim for punitive or treble damages, or for statutorily imposed costs?

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Did the insured assume liability?

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Would the insured have had legal liability without a contractual assumption of liability?

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Yes, offense arises from conduct of named insured. Do not know if conduct by named insured. Connection between offense and insured's advertising. No independent connection with insured's advertising. Indeterminate connection with advertising. Yes, there is a defamation claim. There is no claim of defamation. Not certain if defamation is claimed. Yes, libel or slander of product/services is involved. No libel, trade libel, slander or disparagement. Unknown if disparagement involved Yes, first publication was prior to policy term. First publication may not have been before coverage. Date of first publication is not known or not relevant. Yes, claimant in postion to be damaged by offense. No, claimant could not have been damaged by offense. Indeterminate whether claimant could be damaged. Yes, quality or price was misrepresented. No, misrepresentation of product/service not involved. Unknown if quality or price misreprepresented. Yes, damages incurred wholly outside policy territory. No, damages were wholly within policy territory. Damages may have been in and out of policy territory. Yes, advertising began after policy ended. No, advertising did not begin after policy ended. Unknown when advertising began. Yes, advertising ended before policy began. No, advertising might not have end before policy began. Unknown when advertising ended. Yes, injunctive or other non-monetary relief is sought. No non-monetary damages are sought. Nature of damages sought is not yet determined. Yes, monetary damages are sought. No monetary damages sought. Damages sought are not yet determined. Yes, the claim does involve environmental pollution. No claim involving pollution. Unknown if pollution is involved. Yes, claim for interference with a prospective business advantage. No intereference with prospective business advantage claimed. Unknown if interference with prospective business advantage is claimed. Yes, advertising injury arises out of a breach of an expressed contract. No breach of expressed contract involved. Unknown if there was a breach of an expressed contract. Yes, the insured may have known published material was false or there may have been a willful violation of the law. No knowledge of falsity or violation of the law. Indeterminate whether knowledge of falsity or willful violation of the law. Yes, intentional acts are alleged. No intentional acts alleged. The issue of intentional acts is indeterminate. Yes, exemplary, punitive or treble damages are sought. Or attorneys fees are sought based on intentional acts. No exemplary damgages. Unknown if any damages are exemplary. Yes, the insured assumed damages under a contract. No, the insured did not indemnify. Indeterminate whether the insured indemnified another party. Yes, insured would have liability outside of any indemnification. No, but for the assumption of liabiity, the insured would not have been liable. It is uncertain whether the insured would have been liable in any case. Yes, there is an antitrust allegation. No antitrust allegation. Indeterminate whether antitrust may be involved. Yes, invasion of privacy is alleged. No, invasion of privacy is not alleged. Indeterminate whether invasion of privacy is involved. Yes, false arrest, detention, imprisonment, or malicious prosecution is alleged. No, false arrest, detention, imprisonment or malicious prosecution alleged. Inderminate whether these offenses are involved. Yes, wrongful eviction or wrongful entry alleged. No wrongful eviction or entry involved. Indeterminate whether wrongful entry or eviction is involved. Yes, eviction was on behalf of owner. No, eviction was for benefit of the insured. Uncertain, for whose benefit eviction was. Yes, eviction was on behalf of owner. No, eviction was for benefit of the insured. Uncertain, for whose benefit eviction was.