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Personal lines


Who owns the engagement ring?
When a man gives a woman an engagement ring, who has an insurable interest in that ring and how should it be insured?...


Customizing equipment endorsement
We have an insured with a conversion van that has an automatic lift to accommodate a handicapped individual. The company has added the Customizing......


Seawall damage
During a heavy windstorm, a dock broke loose from another property and crashed into a seawall on our client’s property. The owner of the......


Personal umbrellas and trusts
We have an insured who has put all his assets into a living trust. He has personal auto, homeowners, and umbrella policies with us. The company......