It was a tragedy. All parties agreed that the homeowners were negligent because they served alcohol to minors. The question the courts had to decide was the number of occurrences involved. The families of the two girls killed and the one seriously injured in the car accident argued that an occurrence took place every time the homeowners served alcohol to the minor girls at the party. The insurance company argued that there was only a single occurrence and that was the car accident.

Click here to learn how the court ruled.

Summer parties are events that celebrate young people moving on in their lives. Many go away to college or to the military and their friends and family want to gather and celebrate their new freedoms and responsibilities. Unfortunately, these parties can be tragic if the alcohol flows too freely.

Click here for an emarketing article you could post on your website or place in your newsletter to remind your clients of the importance of monitoring drinking in their homes and their responsibility to keep their guests safe.

Now is the time to make housing decisions because the children are moving out of their parent's home and starting their own households. This means the coverage their parent's policy provided no longer applies to them, unless they are full-time students.

Click here for the PF&M analysis of the definition of named insured and insured in the Insurance Services Office (ISO) Homeowners Policy.

You don't want to receive the phone call that informs you that you must tell your clients that their son or daughter does not have coverage because he or she no longer lives in the family home.

Click here for a letter you could mail to your clients regarding insured status.

This could result in your writing a new policy and establishing a relationship with a new generation of clients.