Re: Cult:Policies of Insurance

Hi Linda,
 
At least with respect to having one letter fits all, I do not think the
insurance company would provide such a document as they must keep track of all
of the entities that are named as additional insureds for specific dates and
locations.  There are fairly complex legal issues regarding additional
insureds since the parties seeking protection have significant assets at
stake.  Most malls require a document which expressly states that they are
additional insureds for that date in order to protect themselves.  They would
not accept a generic letter.  You can hardly blame them when you see the
things that people will sue over.  I do understand your frustration though, it
would certainly be easier to have a copy on file.
 
Someone at AIS surely has a copy of the policy.  Tough reading I suspect.  And
the problem with policies is that they are all subject to states laws and
court rulings which may supersede the language.  Commercial policy
interpretation can be very interesting though- but then I have been accused of
having a twisted mind :  )
 
Not sure this is all that helpful, but may give a little insight into the red
tape.
 
Robin Shadlow
zone 5 NE
 
 
 
 
 
 

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