Personal Liability Update

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New endorsements in the 2000 edition

Don't forget these new endorsements found in the 2000 Personal Liability forms.

Other Members Of Your Household - HO 04 58 10 00
The Other Members Of Your Household Endorsement:

Expands the definition of "insured" to include any scheduled person

Provides that the named insured will fairly represent this person to the insurance company and will act on that person's behalf

Assisted Living Care Coverage - HO 04 59 10 00
This endorsement schedules a person living in an assisted living facility, such as long term nursing, assisted living, nursing home, rest home, etc. This person must be related to the insured by blood, marriage, or adoption. This endorsement provides "insured" status for this scheduled person.

Additional Insured - Student Living Away From The Residence Premises - HO 05 27 10 00
The Additional Insured - Student Living Away From The Residence Premises Endorsement allows the definition of "insured" to be expanded to include an older student.

Note that the student:

Must have originally been a resident of the household

Must be a relative (any age) or a non-relative under the age of 21 and under the care of another insured

Must be enrolled in school and reside at the scheduled address

Residence Held In Trust - HO 05 43 10 00
The changes to Residence Held In Trust:

Expand the definition of insured to include a "trustee", who is not named in the Declarations page

Include specific members of their family

Personal Injury - HO 24 82 10 00
This endorsement separates "personal injury" from the original policy definition of "bodily injury". The endorsement now contains a separate definition of "personal injury".

The new Personal Injury endorsement:

Provides up to $1,000 of coverage for loss assessments

Specifies that offenses relating to defamation apply to oral and written publications

Clarifies that the offenses of "wrongful eviction", "wrongful entry" and "invasion of the right of private occupancy" apply to improper actions regarding a room, dwelling or premises (the new exclusion applies if the insured has knowledge that an action would violate the other person's rights)

Excludes any loss arising out of pollution

Provides a more detailed exclusion of knowledge of falsity and loss arising out of a "criminal act" committed by or at the direction of the insured

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Not only are policy forms, clauses, rules and court decisions constantly changing, but forms vary from company to company and state to state. This material is intended as a general guideline and might not apply to a specific situation. The authors, LunchTimeCE, Inc., CEfreedom, and Insurance Skills Center, and any organization for whom this course is administered will have neither liability nor responsibility to any person or entity with respect to any loss or damage alleged to be caused directly or indirectly as a result of information contained in this course.