This is a continuing series in which we address policy coverage questions that we routinely discuss with you and your colleagues. The answers provided are based on the basic policy form, currently LPLP-1r; refer to your specific policy and any endorsements attached thereto that may change coverage or the answers provided.

 

My client slipped and fell outside my office, am I covered?

Not a chance! But a Business Owner’s Policy purchased through our captive insurance agency, the OSBA Insurance Agency, would cover those slips and falls of clients during the late (or arguably early) winter snows in April and May. Call Tammy and Danna at 614-572-0616 to discuss what risks the Business Owner’s Policy covers.

As you should expect, these Q&A scenarios are based on simple hypotheticals. Coverage determinations for an actual claim are ultimately based on the unique facts, applicable law, and the Terms, Conditions, Limitations, Exclusions, and Endorsements of your policy.

Please contact me at [email protected] if you have any questions!