's father cosigned the mortgage and was placed on the policy as an additional insured
per form HO 04 41.
So, for example, if an exclusion on the CGL form clearly applies to the named insured
and the additional insured
, there is no duty to defend on the part of the insurer.
Employees of the named insured
status in certain circumstances.
To obtain additional insured
status, the certificate must identify the recipient's company by name and designate it as an "additional insured
Further, not applying the rule creates perverse incentives by encouraging insureds
to stop work immediately after an accident and to overstate the injury for fear that honest efforts to work will destroy eligibility for benefits.
is treated as having purchased insurance from the reinsurer directly--such that a 4% FET would apply.
To make matters worse, a large gain is recognized when the insured
Premiums are very reasonable as well, ranging from 3-8 percent of the amount insured
, and coverage is offered by some of the strongest insurance underwriting companies in the world.
If these symbols are chosen by the insured
, then the business auto policy will provide the sums that an insured
legally must pay as damages because of bodily injury or property damage caused by an accident that results from the use of the hired and nonowned autos.
The first Named Insured
is responsible for paying the premium and is the contact for communication with the insurance company.
1813(f)) or a bank that is eligible to make application to become an insured
bank under section 5 of such act (12 U.
The court stated that an insurance company may settle a claim without the consent of the insured
Thus, the form attempts to eliminate coverage for an additional insured
's sole negligence, in that unless the named insured
is responsible in whole or in part for resulting injury or damage, the additional insured
has no coverage.
The court held that this plain language provided coverage for expenses incurred by the insured
in responding to government agency orders administratively imposed, even though the government did not file any lawsuit against the insured
seeking cleanup and abatement of environmental pollution.
Undisputedly, all of the employees insured
under the new plans consented in writing to be part of the plans.