POLICY & CLAIMS WHITE PAPERS

What to watch out for

EPLI Denial

Insurance company denies the claim based on the insured concealing circumstances at the time a policy was written, and those circumstances later give rise to a claim. Especially for Employment Practices Liability Insurance…

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EPLI Denial

Concurrent Causation

Most states follow the efficient proximate cause rule, and in those states, first-party coverage is triggered if the “efficient proximate cause” is a
risk covered under the policy, even if excluded perils may have contributed to or been the “immediate cause” of the loss. See, e.g., Garvey v. State Farm Fire ….

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Concurrent Causation

What are Damages

The issue of “what are damages” is illustrated in those cases in which the court must determine whether the payment of response costs in a Comprehensive Environmental Response Compensation and Liability Act (CERCLA) environmental cleanup action meets the policy’s definition of “damages” because of property damage…

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What are Damages

WHAT IS “CONSENT TO SETTLE”?

A typical commercial general liability (CGL) insurance policy limits the insurer’s obligation to pay those sums that it has agreed to pay or those sums
that the insured is found, by judgment, to be legally obligated to pay…

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WHAT IS “CONSENT TO SETTLE”?

Water Recycle

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Water Recycle

What is a suit

Whether or not an insurer has a duty to provide coverage to a policyholder in the absence of the existence of a formal “lawsuit” is the subject of many disputes between the insurers and insureds. Absent a formal “suit,” insurers will argue that the policyholder is not “legally obligated” to pay damages costs unless there is a lawsuit or even a judgment against the policyholder.

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What is a suit

360 Roadmap process

Over the course of more than 25 years of hard work with many large and small projects. We have worked out the best working process.

Uncover, Recognize and Describe
risks that affect the business
Analyze the likelihood
and consequences of each risk
Evaluate , rank and control
the negative consequnces
Financing the
consequences
of the risk
Evaluation and
project handover

Recruitment

We are looking for smart individuals who want to have a positive impact on the world. If that’s you, visit our Careers page or send us a CV at: michaelo@firstunderwriters.com

 

TESTIMONIAL

What our customers say

"I moved to First Underwriters because it seemed to be a better policy and good value for the money."
Emilia Clarke
Helen Swanson
Seattle Retailer
"You've been a huge help and gone way further than I would expect from an insurance broker."
Emilia Clarke
Jared Montoya
Rainier Roofing Company
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