Coverage Question Series – Part 12
Post on June 15th, 2018
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 former client sued me in Hawaii, am I covered?
Yes! The policy provides coverage for “Claims” made within the United States of America, its territories, possessions or Canada. In fact, we have defended claims throughout the U.S.A. OBLIC insureds have found themselves with claims filed against them on the sunny shores of California, in the swamp-lands of Florida, in sun-beaten Texas and the ever-cheesy Vermont. While we prefer Ohio as the battleground, your OBLIC policy will respond to claims made throughout the U.S., even in Hawaii.
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.
Carl Marsh, Esq.