Sportsfield hired a competitor's employee in violation of that employee's non-compete agreement. That competitor sued Sportsfield, claiming that it stole the employee and obtained valuable trade secrets as a result. Sportsfield sought coverage from its insurance carriers who denied both defense and indemnification.

Click here to see how the courts reacted to the claim for coverage.

Personal and advertising injuries are often very expensive to defend because the injuries are personal in nature and determining damages is difficult. It can be difficult to obtain a settlement because the aggrieved plaintiff may want his or her day in court.

Click here to review the PF&M analysis of the Insurance Services Office (ISO) Commercial General Liability Coverage B Personal and Advertising Injury Liability and the definition of Personal and Advertising Injury.

There was a $3,200,000 plus defense expenses gap in Sportsfield's insurance program. Are there significant gaps in any of your clients' insurance programs?

Click here for a Business Building Letter you might consider to arrange a coverage review.

Client/Agent Coverage Agreements are available as a part of the Commercial and Personal Lines Risk Evaluation System. Using the Agreement is great way to identify gaps and help your client build a more robust insurance program.

Click here for an example of an agreement you could use with a restaurant client.