Contract Review 101
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The document provides guidance on reviewing contracts from an insurance perspective. It advises readers to thoroughly read contracts and highlight any mentions of additional insured status, primary insurance, hold harmless clauses, or indemnification. It explains these insurance-related terms and concepts. Several examples of claim scenarios are described to illustrate how contract language could impact insurance coverage and liability in the event of incidents at events. Readers are instructed to contact the insurance provider if any concerning contract language is found or if proof of insurance is required.
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The document discusses credit-related life insurance and whether consumers should purchase it. It provides the following key points:
1. Credit-related life insurance policies are often overpriced and highly profitable for lenders, with premiums going towards commissions and profits rather than claims.
2. While credit life insurance can protect lenders and borrowers by removing risk of death, it is usually unnecessary and more expensive than independently purchased life insurance.
3. Consumers are generally better off purchasing adequate term life insurance independently to cover major debts like mortgages, rather than relying on credit life insurance policies from lenders.
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This article discusses the separation of insureds clause as it applies in various policies: CGL, business auto, garage, truckers, and business owners. Includes reference to additional insured and cross liability coverage on the commercial general liability form.
The wording of current liability insurance policies has brought about questions concerning who is insured and to whom the various exclusions and conditions apply. The separation of insureds clause under the CGL form, for example, states that the insurance applies “as if each named insured were the only named insured’’ and “separately to each insured against whom claim is made or suit is brought.’’ So a question arises: if the named insured makes a liability claim against an entity who is an insured under the named insured’s CGL form, will the insurer defend that other insured and pay the named insured for his or her alleged damages?
Another example is exclusion (j) (4) on the CGL form. That exclusion deals with property damage to personal property in the care, custody, or control of the insured. Here, the question is: does the exclusion apply only to the particular insured that has the personal property in his or her hands, or can it be applied to all the insureds under the CGL form simply because one of the insureds has control of the property?
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This second and concluding part of the discussion on self-insured retentions first itemizes the points that should be
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The document summarizes 10 special features of insurance contracts:
1) Aleatory - Insurance contracts are aleatory in nature as the insured may receive substantially more in claims than premiums paid, depending on chance.
2) Adhesion - Insurance contracts are contracts of adhesion as the insurer writes the contracts and presents them to the insured on a "take it or leave it" basis.
3) Utmost good faith - Both parties must have faith in each other. The insured must disclose all material facts and the insurer must only avoid the contract if the insured intentionally misrepresents or conceals facts.
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The document discusses credit-related life insurance and whether consumers should purchase it. It provides the following key points:
1. Credit-related life insurance policies are often overpriced and highly profitable for lenders, with premiums going towards commissions and profits rather than claims.
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The wording of current liability insurance policies has brought about questions concerning who is insured and to whom the various exclusions and conditions apply. The separation of insureds clause under the CGL form, for example, states that the insurance applies “as if each named insured were the only named insured’’ and “separately to each insured against whom claim is made or suit is brought.’’ So a question arises: if the named insured makes a liability claim against an entity who is an insured under the named insured’s CGL form, will the insurer defend that other insured and pay the named insured for his or her alleged damages?
Another example is exclusion (j) (4) on the CGL form. That exclusion deals with property damage to personal property in the care, custody, or control of the insured. Here, the question is: does the exclusion apply only to the particular insured that has the personal property in his or her hands, or can it be applied to all the insureds under the CGL form simply because one of the insureds has control of the property?
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The document provides an overview of insurance, including:
1. It defines insurance and explains why we need it to reduce exposure to risks.
2. It discusses insurance lines and products such as life, property-liability, disability, and health insurance.
3. It describes the roles of insurers and intermediaries in functions like product design, pricing, distribution, underwriting, and loss settlement.
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The document summarizes 10 special features of insurance contracts:
1) Aleatory - Insurance contracts are aleatory in nature as the insured may receive substantially more in claims than premiums paid, depending on chance.
2) Adhesion - Insurance contracts are contracts of adhesion as the insurer writes the contracts and presents them to the insured on a "take it or leave it" basis.
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4) Executory - The insurer only performs its obligations if certain events like losses occur.
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Business interruption insurance provides coverage for financial losses businesses incur due to indirect or consequential losses from events that cause business interruptions, even if there is only minor direct property damage. It has become especially important with modern automated businesses that are vulnerable to interruptions. Coverage includes lost business income and extra expenses to avoid downtime, such as temporary locations. Claims made policies require claims be reported during the policy period, so renewals require caution to avoid lapses in coverage. Workers' compensation generally does not cover independent contractors, but their injuries may be covered under the client's policy if the contractor has no insurance. The terrorism risk insurance program provides federal backing for terrorism coverage purchased by policyholders.
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This document discusses the importance of understanding insurance requirements in contracts. It notes that contracts often require businesses to carry specific types and levels of insurance like professional indemnity, public and products liability, pollution liability, and cyber insurance. It advises readers to consult their insurance advisor before signing any contract to ensure they can meet the insurance specifications and requirements. It provides an example of a client who was able to sign a contract by working with their advisor to negotiate an increase in their insurance limits. The document stresses the importance of addressing insurance requirements proactively to avoid issues in the event of a claim.
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This article discusses the problems that may arise when a blanket additional insured endorsement is attached to the commercial general liability coverage form.
The reason for blanket additional insured endorsements for use with commercial general liability coverage forms is to eliminate the insurer’s necessity of having to issue individual endorsements (or in the insurance vernacular, scheduled endorsements). That, in fact, is the only advantage because the needs of additional insureds vary and so too, does the nature of the coverage. In other words, a blanket endorsement is not necessarily suited for all persons or organizations requiring additional insured coverage.
An erroneous point about the blanket additional insured endorsement is that it is broad in scope. That is not true! They can be broad if they are amended to fit the needs of a particular class of risks. These endorsements, however, usually are very limited. Another point about the blanket additional insured endorsement is that it will contain more verbiage than a scheduled endorsement, because underwriters will not be underwriting each additional insured request, and out of necessity, must add provisions such as a professional liability exclusion whether such an exposure exists or not.
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This document discusses the concept of risk and types of risks. It defines risk as the potential for loss or an undesirable outcome from an action or activity. It describes objective risk as the actual variation from expected loss, while subjective risk depends on an individual's perception. Types of risks include pure risks (only loss or no loss possible), speculative risks (profit or loss possible), fundamental risks affecting many people, and particular risks affecting individuals. The document also discusses the characteristics of an insurance contract including offer and acceptance, consideration, competent parties, and legal purpose. It outlines principles of insurance such as utmost good faith, insurable interest, indemnity, and proximate cause.
UNIT-2.docx
The document discusses the significance of insurance. It provides 3 key points:
1. Insurance provides safety and security against sudden losses by offering financial support. It reduces uncertainties in business and life.
2. Insurance generates financial resources by collecting premiums which are invested and used for economic development, creating employment opportunities and capital formation.
3. Life insurance encourages savings by enabling systematic savings through regular premium payments and providing an investment option. The insured receives a lump sum at maturity.
Business law- Insurance Law
Insurance law is the practice of law surrounding insurance, including insurance policies and claims. It can be broadly broken into three categories - regulation of the business of insurance; regulation of the content of insurance policies, especially with regard to consumer policies; and regulation of claim handling.
New Member Orientation
This document provides an overview of risk management and insurance for new members of a fraternity or sorority. It discusses how effective risk management protects the sisterhood/brotherhood and involves eliminating, reducing, or transferring risks. It then outlines the organization's insurance program, including property coverage for chapter houses, liability coverage to protect members in lawsuits, and limitations of auto liability coverage. It addresses what it means to be held liable and answers true/false questions about criminal liability, insurance coverage in accidents, and liability for off-campus events. Next steps suggested are to discuss chapter events and risks, review insurance summaries online, and bookmark risk management resources.
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Business interruption insurance provides coverage for financial losses businesses incur due to indirect or consequential losses from events that cause operational disruptions, even if there is no direct physical damage to property. It has two main components - business income coverage, which covers lost profits and operating expenses, and extra expense coverage, which covers additional costs like temporary locations that allow businesses to continue operating. Claims made policies, unlike occurrence policies, only provide coverage if a claim is first made and reported during the active policy period. Renewing claims made policies requires caution to avoid coverage gaps. Workers compensation rules aim to universally cover employee injuries but challenges arise with independent contractors who are not legally considered employees.
Insurance contracts
An insurance contract is an agreement where an insurance company agrees to compensate the insured for financial losses from specified risks in exchange for premium payments. Key characteristics include indemnifying the exact financial loss, contracts of adhesion drafted by the insurer, and consideration in the form of premiums paid by the insured. Insurance promotes savings, investment, financial security, and protection from risks for individuals and businesses. For a contract to be valid, there must be agreement between competent parties, lawful consideration, a legal purpose, and fulfillment of legal formalities. The principles of utmost good faith, insurable interest, proximate cause, and indemnity also apply to insurance contracts.
Insurance shashank 5th
This document defines insurance and outlines key terminology used in the insurance industry such as policy, premium, insured, and indemnity. It discusses various principles of insurance contracts including utmost good faith, indemnity, insurable interest, and proximate cause. The document also categorizes different types of insurance like life, fire, marine, and general insurance. It provides examples of life and general insurance policies. Additionally, it defines roles of insurance intermediaries like agents, brokers, surveyors, and TPAs. Finally, the document outlines different types of risks covered by insurance like systematic, unsystematic, credit, country, and foreign exchange risk.
Yogesh ppt
The document discusses the principle of utmost good faith in insurance contracts. It imposes a high degree of honesty on both parties. It is supported by the legal doctrines of representations, concealment, and warranty. Representations are statements made by the applicant, while concealment is the intentional failure to disclose material facts. A warranty is a statement or promise that must be true for the insurer to be liable. The principle of proximate cause examines which cause among multiple causes was the most direct and decisive in causing a loss covered under the policy.
CGL Coverage Form -- Coverage A (from FC&S Legal: The Insurance Coverage Law ...
This article analyzes coverage A, bodily injury and property damage coverages of the ISO CGL form CG 00 01.
Bodily Injury and Property Damage Liability:
Summary: Coverage A of the current commercial general liability (CGL) coverage forms, both the
occurrence form and the claims-made form, provides bodily injury and property damage liability
insurance. This article discusses the features of coverage A that are common to both the occurrence
and the claims-made form.
Dana Chiles | Introduction to Real Estate Insurance for Realtors and Mortgage...
Insurance requirements have become such an integral part of the real estate and loan transaction, they must be included in any comprehensive discussion of real estate finance.
VRM Intel Magazine Summer 2016 - Article
This document discusses insurance requirements for vacation rental property managers. It explains that standard commercial general liability insurance policies automatically consider property managers as insured parties without needing to be added separately. This is because commercial policies extend liability coverage to real estate managers, unlike homeowner's or landlord policies. The document recommends that property managers require owners to carry $1 million in commercial general liability coverage as proof of the manager being insured, rather than asking to be added as an additional insured.
A 408(b)(2) Claim: Now What?
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Contract Review 101
- 1. Contract Review 101 From an insurance perspective © MJ Sorority, December 2010 DISCLAIMER: Please refer to your own organization’s policies regarding contract review in addition to this information. We will only discuss concerns from an insurance perspective in this presentation.
- 2. Step 1: Read the entire contract © MJ Sorority, December 2010
- 3. © MJ Sorority, December 2010 Thoroughly read all your contracts. I really mean thoroughly. “ ”
- 5. © MJ Sorority, December 2010 Insurance language can be very overwhelming and confusing. The next few slides attempt to make contract verbiage a little less complicated.
- 8. Negligence © MJ Sorority, December 2010
- 12. Step 3: If any of the concerning verbiage from the previous slides is in the contract, contact MJ Insurance. Ruth Knauer Assistant Account Manager [email_address] Toll-Free: (888)442-7470 (ext. 7585) Direct: (317)805-7585 Via our website: www.mjsorority.com © MJ Sorority, December 2010 If you are not sure if any concerning verbiage is present in your contract, contact Ruth. She will be happy to review the contract for you.
- 14. Please contact us with any questions or suggestions you might have. © MJ Sorority, December 2010
Editor's Notes
- Make sure you review your own policies before presenting this information, so that you can incorporate some sorority-specific policies and resources. In addition, check out the Reviewing Contracts document (http://tinyurl.com/ykhngks) at www.mjsorority.com for further information.
- The most important part of the contract review process is to read the ENTIRE contract. When we’re reviewing contracts, we read through the whole contract and then go back and highlight any concerning or confusing language
- Our opinion is that each entity should purchase insurance coverage to protect themselves from claims arising out of their own negligence. The clauses sited in the previous slides create an imbalance in terms of negligence because they force your organization to take on more liability for claims that may arise that are outside the realm of your control. For this reason, we are leery when our clients sign contracts whenever problematic verbiage is included.