Publisher's Synopsis
Personal Umbrella Coverage Guide, Second Edition, enables you to quickly master the inner workings of umbrella policies and their interaction with underlying homeowners and auto insurance, so that you can confidently advise clients and fully meet their needs.
This unique resource combines many valuable features all in one place, including:
Clear analysis of the ISO, AAIS and MSO forms-including their differences
Exposition of the elements common among all umbrella policies
Explanation of the necessary interface between underlying and umbrella policies
Expert insights into the definitions critical to providing underlying and umbrella coverages
Complete examination of when and why umbrella policies are necessary and valuable
Practical insights into potential gaps-with endorsements that may cover these gaps
Clarification of the difference between excess and umbrella coverage
Full review of eligibility requirements, definitions, conditions and exclusions
And much more!
Plus! The ISO, AAIS and MSO umbrella forms are all in the book.
Personal Umbrella Coverage Guide, Second Edition, delivers a full analysis of who qualifies as insured, including non-spouse residents, foster children, children split between residences and trusts, and coverage for those in assisted living centers.
In addition, this new, second edition now includes:
Explanations of updated policy forms
A new chapter on exclusions
Discussion of MSO forms
Analysis of newly added exclusions, including those surrounding the internet, Facebook, Twitter, electronic aggression, and more-with expert analysis of relevant cases
Examination of pollution and pollutants
