Tag: Coverage Limitations

To the Rescue: The Value of Personal Umbrella Coverage

By The Reschini Group Have you ever been caught outside in a downpour?  A real soaker?  The kind where the rain is coming down so hard and fast, that a standard-sized umbrella simply isn’t enough to keep you completely dry?

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Overlap: Understanding Insurance Limits When Renting a Car on Business

By Mike Drew, The Reschini Group Your flight had been delayed and you’re running late for an important appointment in a new city.  All you want from the car rental stand is to get registered, grab the keys, and follow

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Accept the Exceptions: Every Contingency Should Be Covered

By Kitti Peters, The Reschini Group You may believe that your insurance coverage is so comprehensive, so all-encompassing, that no matter what set of circumstances may arise, you are properly protected. This assumption, like most assumptions, probably is not accurate.

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Plugging the Gap: The Need for Drive-Other-Car Coverage

By The Reschini Group If you take five seconds to think about it, the number of vehicles on the road at any given moment is absolutely staggering.  Then think of the various types of drivers, the owners of those vehicles,

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Liable by Association: Understanding Professional Liability Insurance

By Mike Drew, The Reschini Group A faulty assumption about insurance coverage related to job duties comes into play when one assumes he or she may be liable only when someone else suffers bodily injury, property damage, or personal injury.  

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In the Driver’s Seat: Hired and Non-Owned Auto Coverage

By Mike Drew, The Reschini Group “Hey, would you mind running these supplies over to the client across town?” asked the supervisor to the employee. And with that simple question, a series of insurance-driven dominoes began to fall that, before

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Getting Short-Sheeted: Reviewing MSAs for Coverage Gaps

By The Reschini Group Hurrying through the department store, you grab a set of bedsheets on sale, only to get home and realize they’re queen-size sheets and you have a king-size bed.  You paid for sheets, all right, but they

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Watch Those Assumptions

Understanding Excess vs. Umbrella Coverage By Kitti Peters, The Reschini Group Assumptions can be tricky. You really need to slow down, look at the situation, and make sure you fully understand all the signals before taking action. Otherwise, you could

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