PIA Search

Results 1301 - 1310 of 3226

  1. Foreign exposures | Ask PIA

    For clients who have employees traveling outside of the U.S., at what point does coverage cease (i.e., Canada, Mexico, Israel or England)? Is there a solution? Some companies will not provide international coverage. Would I find this answer in the workers’ compensation manual or actual state law?

    The extent of coverage outside the state of hire is governed by that state’s Workers’ Compensation Law and the interpretation rendered by its courts. The laws in most states cover workers while in their employer’s service anywhere in the world, at least, for a temporary period of time. A foreign...

  2. ‘Special form’ claim types | Ask PIA

    My client has an HO-6 policy—named perils for structures and contents. I’d like to offer the Unit Owners Coverage A Special Coverages (HO 17 32) endorsement to him but I can’t cite examples of structure claims that are not covered by “broad form perils” but would be covered under the “special...

    Here are some examples of actual claims paid under “special form” perils, but not payable under the “broad form” perils: an unbalanced washing machine took a walk and damaged the hot water heater; a window left open in a rainstorm allowed water to damage the interior walls and floor;...

  3. Diligent effort | Ask PIA

    The Certification Of Effort To Place Risk With Authorized Insurer provides a place to record declinations below this statement: “The following insurers are among those that I contacted relative to this risk....” Smaller agencies may not have three admitted insurers to contact for the placement of a particular risk. Have...

    N.J.S.A. 17:22-6.47 provides that: “Within 30 business days after the effectuation of any surplus-lines insurance the originating broker shall submit to the surplus-lines agent an affidavit or certification by the broker, on a form prescribed and furnished by the commissioner, as to efforts made to place the coverage with authorized...

  4. Comparative negligence | Ask PIA

    What is the Connecticut state law on comparative negligence?

    Connecticut law permits recovery only where the plaintiff’s negligence was not greater than the defendant’s, known as the “50% rule.” See C.G.S.A. Section 52-572(h). Both parties to an accident could make a claim only if each was 50% at fault, where each party pays 50% of the other party’s damages....

  5. Late renewal notice | Ask PIA

    We have a commercial renewal due the first of next month; it is now 15 days until the renewal date. At this point, we have heard nothing from the company about next year’s premium. What are our policyholder’s rights in this situation?

    The company is supposed to send the premium billing notice out at least 30 days in advance of the renewal date (provided the current annual premium is under $50,000)—60 days if the insured is a municipality. Since the insurer has failed to send a timely billing or nonrenewal notice, the...

  6. Nonowned trailers | Ask PIA

    Will our insured be covered under a personal auto policy while pulling a trailer that is owned and insured separately (including Part D—Physical Damage Coverage) by our insured’s resident girlfriend?

    For liability: yes, your insured is covered for the use of any “trailer” (as defined) and not excluded in the policy. His liability coverage is excess over other applicable liability insurance for a nonowned trailer. A problem could occur if this trailer is deemed to be “furnished or available for...

  7. HO-2 vs. HO-3 coverage | Ask PIA

    Could you explain some of the differences between the HO-2 and HO-3 forms?

    Naturally, you should consult the policy forms for the exact contract provisions, but here is a rundown on some similarities and differences between the two.First, there is no difference in the Section II (Liability) coverage. All the differences pertain to the property coverage.The HO-2 provides property coverage for certain “named...

  8. Sexual harassment | Ask PIA

    What are the rules governing sexual harassment affecting Connecticut businesses. Could you explain them?

    Public Act 92-85 required the state Commission on Human Rights and Opportunities to develop regulations that spell out the posting and training requirements of the law. The requirements are now contained within Sections 46a-54-200 through 46a-54-207 of the Connecticut regulations. Employers of three or more employees are required to post...

  9. Agency termination | Ask PIA

    One of the companies I represent just confronted me with a nine-year loss ratio and asked me to voluntarily terminate my contract with them. They say that they will then re-appoint me for commercial lines only. I cannot get the loss and reserve figures they are using to arrive at this...

    As Connecticut’s laws are written, your terminated agent’s rights are clear only if the company terminates you—not vice versa. See C.G.S.A. 38a-709. The law protects you from termination based solely on a two-year loss ratio, so your inability to get the figures the company is using prevents you from...

  10. Improper nonrenewal procedures | Ask PIA

    One of my companies sends out nonpayment cancellation notices before the premium is due, as part of its billings. This is very confusing to our customers, and we end up having to explain the situation. Is this procedure allowed?

    Bulletin PC-42-09 makes it clear that this practice is not permitted. According to the bulletin, “Companies may not routinely issue or include notice of nonrenewal or notice of cancellation for nonpayment coincident with the premium billing or payment notice. Notice of cancellation for nonpayment of premium should not be...

Search
Filter Clear