Should a tenant receive the benefit of a landlord's insurance?

Article Abstract:

The most effective way to ensure that insurance problems in the commercial lease context are minimized is to draft the lease properly and have all parties insure their own insurable interests. Courts are split on whether an insurer is presumed to have subrogation rights when the insurer may have claims against the tenant for damage to the property. Leases are drafted to allocate insurance responsibilities a number of different ways. Each party should insure their own property interests and should insure against their own liability risks.

Interpretation and construction, Commercial leases, Landlord and tenant, Landlord-tenant relations, Subrogation, states

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Advertising injury claims and the general liability insurance policy

Article Abstract:

General liability insurance policies may provide coverage for so-called advertising injuries, such as copyright infringement, advertising misappropriation, invasion of privacy, or the publication or utterance of statements that slander or libel a business, organization, or person. The 1992 Bank of the West case is the leading authority on this issue. Generally, injuries must be connected to advertising activities and indemnification under liability policies is limited to damages.

Regulation, Licensing, and Inspection of Miscellaneous Commercial Sectors, Advertising Regulation, Cases, Libel and slander, Copyright, Copyrights, Advertising law

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Coverage for EIFS claims under the standard CGL policy

Article Abstract:

The author discusses insurance coverage of exterior insulation finish building system claims under commercial general liability policies. A general overview of construction defect claims is provided, along with CGL policy definitions of physical injury to tangible property and of diminution in value of a structure.

United States, Construction, Construction industry, Product information, Insurance claims adjustment, Insurance, Property and casualty insurance industry, Claims adjustment (Insurance)

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