The Ontario Superior Court of Justice recently held that an additional insured was covered by a policy, where there was no direct claim
against the named insured, even though the coverage was limited to claims arising from the negligence of the named insured.
As this case demonstrates, such an endorsement may still provide protection to an additional insured even where the plaintiff has no direct claim
against the named insured.
Not exact matches
Bad practice across the board - from Woolies to MFI - of endlessly leveraging and endlessly
insuring against anything (basically hedging by another
name) has artificially inflated our own economy - and we the consumers never complained.
(2) signed by an individual, or his parent, to the effect that he has been denied admission to or not permitted to continue in attendance at a public college by reason of race, color, religion, or national origin, and the Attorney General believes the complaint is meritorious and certifies that the signer or signers of such complaint are unable, in his judgment, to initiate and maintain appropriate legal proceedings for relief and that the institution of an action will materially further the orderly achievement of desegregation in public education, the Attorney General is authorized, after giving notice of such complaint to the appropriate school board or college authority and after certifying that he is satisfied that such board or authority has had a reasonable time to adjust the conditions alleged in such complaint, to institute for or in the
name of the United States a civil action in any appropriate district court of the United States
against such parties and for such relief as may be appropriate, and such court shall have and shall exercise jurisdiction of proceedings instituted pursuant to this section, provided that nothing herein shall empower any official or court of the United States to issue any order seeking to achieve a racial balance in any school by requiring the transportation of pupils or students from one school to another or one school district to another in order to achieve such racial balance, or otherwise enlarge the existing power of the court to
insure compliance with constitutional standards.
Briefly, the
named insured is, of course, the person to whom the policy is issued and who is
insured against loss under the policy.
Title insurance, just as its
name implies, is the type of insurance that protects the
insured against property's title or ownership.
If you have the «Enhanced Home Package» on your renters insurance the perils
named in the policy, such as fire, are replaced with verbiage along the lines of «We
insure against risk of direct physical loss».
It is the type of insurance that protects your family, dependant or
named beneficiary
against the loss which might arise as a result of the death of the
insured.
Insure named people in the business, aged 16 ‐ 75 years,
against personal accidents, and add death benefit up to # 10,000, (weekly benefits up to # 100).
Once implemented we will not share your
name, address, social security number or any other information (your Personal Details) from which there is a reasonable basis to believe your Personal Details could be obtained, to the policyholder or other
insured covered under the same policy
against whom you have a valid order of protection, without your express consent.
(5) Despite subsection (4), if a person is a
named insured under a contract evidenced by a motor vehicle liability policy or the person is the spouse or a dependant, as defined in the Statutory Accident Benefits Schedule, of a
named insured, the person shall claim statutory accident benefits
against the insurer under that policy.
(5.2) If there is more than one insurer
against which a person may claim benefits under subsection (5) and the person was, at the time of the incident, an occupant of an automobile in respect of which the person is the
named insured or the spouse or a dependant of the
named insured, the person shall claim statutory accident benefits
against the insurer of the automobile in which the person was an occupant.
Likewise, an excluded driver husband of a
named insured would have recourse
against his spouse's policy pursuant to criteria (a) in the definition of «
insured person».
Primary insurers should also be aware that an excess insurer can make claims
against a primary insurer directly, in its own
name or in the
name of its
insured, to recover damages for breaches of the primary insurer's twin duties of defence and good faith.
Named perils or hazards, policies
name the specific perils or hazards the policy
insures against.
Once implemented we will not share your
name, address, social security number or any other information (your Personal Details) from which there is a reasonable basis to believe your Personal Details could be obtained, to the policyholder or other
insured covered under the same policy
against whom you have a valid order of protection, without your express consent.
IMPORTANT NOTICE The Indiana Department of Insurance urges insurance companies offering coverage for residential property and personal property used within residential dwellings to provide conspicuous written disclosure to the prospective
named insured or the
named insured that claims
against the policy may be considered by the insurer in determining whether to renew the policy.
As its
name suggests, a claims - made policy covers claims made
against an
insured during the policy period.
Usually the open perils wording is to the effect of «We
insure against risk of direct physical loss...» meaning that open perils doesn't keep you tied to the same list of covered events as
named perils would.
However, it is important to note that if there is an unpaid balance in the cash component at the time of the
insured's passing, then the amount of this balance will be charged
against the amount of the death benefit that is paid out to the
named beneficiary.
While is it not required that these funds are paid back, it's important to note any un-repaid balance in this account will count
against the amount of the death benefit that is paid out to the
named beneficiary at the time of the
insured's death.
An HO - 5
insures your belongings
against all causes of loss that are not specifically excluded, whereas HO - 3 only covers causes
named on a specified list.
Personal property coverage
insures your belongings
against the risk of loss due to any number of
named occurrences, such as a house fire, wind damage to your apartment, acts of vandalism, storm damage and many other covered events.
Renter's policies provide «
named peril» coverage, meaning the policy states specifically what you are
insured against.
If you have the «Enhanced Home Package» on your renters insurance the perils
named in the policy, such as fire, are replaced with verbiage along the lines of «We
insure against risk of direct physical loss».