Virtual University | Liability-Exclusions

COVID-19: Are There Any Weird Homeowners’ Coverage Exposures?

Does having friends over during a state-mandated stay-at-home order create any insurance issues regarding COVID-19? What about when it’s over? These sound like weird questions. As weird as the questions sounds, the answer may be weirder.

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Did You Get a Drone for Christmas?

There is a good chance that you or someone you know got a drone aircraft for Christmas. For many, the learning curve on controlling drones can be steep. What happens if you accidentally injure someone or damage their property? What if you teenager intentionally causes harm? What if you or your teen is sued for invasion of privacy? Do ISO HO policies cover these claims?

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HO Coverage for Camper Trailer

Is there liability coverage for a camper trailer while used at a camp site? Is that an insured location? Does the motor vehicle exclusion apply?

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HO Gun Liability Coverage

Concealed weapon and other gun laws seem to be proliferating around the country. Sooner or later, an insured or prospect is going to ask you if their insurance covers them if they should shoot an alleged burglar or assailant in self-defense. How would you respond to such questions?

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HO Liability Coverage for Floating Dock

An insured owns a home on the water and he has a floating dock anchored next to a buoy approximately 150 feet from shore. He wants to know if the ISO HO-3 policy will cover liability arising out of the use of that dock.

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Off-Premises Mobility for the Elderly

An increasing variety of motorized vehicles are being used to assist the elderly and handicapped in gaining mobility away from their residences. The question is, do they have any homeowners coverage for these vehicles?

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