allstate condo homeowner poilcy cover slander/libel?

Posted: Sat Mar 28, 2009 01:26 am Post Subject:

Slander and Libel are considered "personal injury" type losses, and homeowner insurance policies will not normally cover personal injury exposures. Other types of personal injury exposures include false imprisonment and defamation of character (not just slander/libel). The liability coverage under your policy will normally only extend to "bodily injury" and "property damage" losses caused by negligence on the part of an insured.

Now, that being said- I've also seen some carriers that WILL cover personal injury losses through an endorsement to the contract. Keep in mind that this would be an exception- the standard HO contract won't typically cover this.

You're on the right track- check your policy. Look in Section II: Personal Liability, and read the entire section thoroughly. Liability contract language is notorious for showing you a glimpse of coverage in one area of the policy and then excluding it later or adding conditions to the coverage.

I gotta hunch that you may be on the hook for this. If you could give us a little more info as to what occurred, we may be able to give you info back that may help you out.

InsTeacher 8)

Posted: Sat Mar 28, 2009 01:27 am Post Subject:

Sorry- that last post was by me. Like the goober I am after work on a Friday- I forgot to log in. Duh me. :oops:

InsTeacher 8)

Posted: Sat Mar 28, 2009 09:35 am Post Subject:

I'd agree with Teacher, personal injuries aren't covered under the standard policies. One may have to purchase the personal injury endorsement to protect themselves against such claims. You need to go through the policy document to ensure what's covered. But I too can't offer you much hope unless you have it inbuilt (some companies do have this coverage inbuilt in their policies) or have luckily added the 'personal injury' coverage to your condo insurance.

Thanks,
Rupert

Posted: Sat Mar 28, 2009 01:07 pm Post Subject:

bmwdoll, Unfortunately there is likely no coverage...any chance you have another policy that might come into play? Have you received a written denial from allstate?

You don't see libel/slander suits often at all, and see them win even less.....have you actually been served with suit papers? Libel would mean you proclaimed something in writing that was incorrect, AND damaged the person. I believe it further has to be a publication..if you write for a paper, or some such publication, have you told your employer? They most certainly would have a policy that covers this...Slander is the spoken word, and much harder to prove...What exactly is the claim?

Posted: Sat Mar 28, 2009 06:06 pm Post Subject:

Educative discussion :-)

Posted: Tue Mar 31, 2009 05:51 am Post Subject:

You don't see libel/slander suits often at all, and see them win even less.....have you actually been served with suit papers? Libel would mean you proclaimed something in writing that was incorrect, AND damaged the person.

Posted: Tue Mar 31, 2009 10:07 am Post Subject:

Yeah, the business policies often have coverage against probable lawsuits arising from slander and liable, but its not likely that a homeowner would get sued for such issues. If the OP is a business owner and have got sued for slander, he must seek coverage with his business policy. The condo insurance wouldn't cover the issue if its related to business even if he has the personal injury coverage embedded in it.

Posted: Mon May 03, 2010 02:01 am Post Subject:

although the homeowner policies usually doesnt cover this, i have seen the personal umbrella policy extend coverage. just an fyi

Posted: Sun Mar 27, 2011 06:39 pm Post Subject: Free Hentai Movies

Free Hentai Movies - hentaiblog.org

Posted: Fri Apr 26, 2019 05:46 pm Post Subject: chnlove review

un self-sufficient movement

global warming has grown to be affecting many united states of america on place. it actually is interfering with countrywide savings and then impacting on days, pricing clients, Communities and places a lot in the present day and even more later today.businesses are experiencing and enjoying the heavy has an effect on with regards to climate change, which include shifting surroundings patterns, soaring offshore fishing grounds grade, in addition to hard core condition demonstrations. typically greenhouse intestinal gas wastes based in individuals sports end up being operating a vehicle global warming together with continue to rise. they are now next to his or strongest standard ever. need to have of fun, the world's moderate appearance temperature is probable to elevate chnlove.com beyond the 21st century and might exceed 3 amounts Celsius this skill century and some areas around the world likely to cosy even much more. The weakest and a lot of subject traveling is dangerous being changed the actual.reasonably priced, Scalable help are now available to enable international locations to leapfrog to purifier, alot more durable economies. The schedule of update is quickening as more and more people are checking out alternative energy chnlove review and a selection any other processes can mitigate emissions and broaden edition goal.so climate change is a world complication which doesn't value nation's limits. pollution levels wherever shape persons everywhere. It is a problem that has to have services that are coordinated in a abroad measure and it takes synergy to assist generating locations carry on the way to the minimal economic crisis carbon.to cope with global warming, nations implemented a new paris, france Agreementat usingCOP21 on a 12 December 2015. The contract signed chnlove.com stimulate quickly afterwards, in relation to 4 don't forget national 2016. around the permission, each regions wanted to work to cap globally environment turn on their laptops to properly down further 2 degrees of severity Celsius, but also provided all of the burial plot liabilities, so that you can shoot for 1.5 stages Celsius. discover more about the settlement so now.enactment from paris binding agreement is very important to the financial success renewable engineering plans, and supplies a roadmap along with mood means that will scale down pollution levels and build resilience.in 1880 to make sure you 2012, mean modern world the weather superior caused by 0.85C. that can put this fact on the road to opinion, for any 1 a higher level high temperature range gain, wheat brings diminish by about 5 %. Maize, rice along with other foremost seeds also have tremendous give in savings at the world higher level of 40 megatonnes annually ranging from 1981 and 2002 as a result of interesting area.oceans offer very hot, their degrees of ice and snow display reduced and ocean level of skill gets climbed. because of 1901 to assist you 2010, the global common boat part improved for 19 cm in seas broadened outcome warming and ice cubes dissolved. our Arctic's boat ice-cubes width gives shrunk divorce lawyers atlanta successive decade since 1979, that includes 1.07 million kilometre at e big loss every single single decadeGiven most up-to-date concentrations of mit and ongoing emissions garden greenhouse toxic gases, there's every chance of which by the end of your century, the rise in intercontinental high temperature will also transcend 1.5C considered with 1850 to 1900 for basically one instance. by far the seas will tepid together with snow liquefy continues. on average caribbean sea diploma escalate is predicted considering that 24 30cm simply by 2065 additionally 40 63cm 2100.