You have asked be to review your file in the above-mentioned matter. Moreover, you have asked me to review the mediation binder in a substantially similar case involving the same insured that is named as a defendant in the litigation at issue here. Upon reviewing these materials, you have instructed me to have a conversation with you about preparing additional reservation of rights letters, and how to proceed going forward.
In this matter, we represent Liberty Mutual Insurance (“LMI”) in their coverage dispute with Baltimore Masonry, Inc. (“BMI”). LMI issued a commercial general liability (“CGL”) insurance policy to BMI. Further, the policy at issue here names BMI as the named insured, and the Armada Hoffler Construction Company and the project owners as additional insureds.
The litigation upon which the insureds’ claim under the CGL policy arises out of a lawsuit claiming damages associated with the defective construction of the VUE Condominium. The VUE Condominium is a 30-story mixed use high rise building that includes a residential condominium located in the Harbor East Neighborhood of Baltimore City. Plaintiffs allege they have recently discovered that the project contains a variety of latent design, construction, product manufacturing, and repair defects, some of which present substantial and imminent risks of serious personal injury or death.
The coverage dispute at issue in this matter arises out of a lawsuit filed on September 25, 2015 in the Circuit Court for
HOUSTON GENERAL INSURANCE COMPANY; Inez Grant; Morehouse Parish School Board; Horace Mann Insurance Company and Lloyd Gray, Defendants-Appellants-Appellees.
The practice of settling human conflicts through intermediaries has had a rich history in Western and non-Western cultures and therefore a broad range of forms and functions. The conflicting parties in most of the societies and at all stages of social interaction have had access to external actors to whom they approach when they come to the conclusion that they are incapable to handle their different opinions by themselves. In this case, an ordinary response to identify contradictions in objectives and values be-tween adversaries is to enter into a process of negotiation in order to achieve an agreement on such differences, which is mutually acceptable. In consequence, negoti-ation seems to be a universal, human
This claim arises out of a lawsuit filed in Kane County, Illinois involving an incident at Johnny A’s Third Rail Pub, a local pub owned by the Insured, Beslidheje, Inc. Mr. Tefik Ashiku owns and operates the Insured corporate entity. The pub operates out of a building owned by the co-defendant, Junaid Zubairi. Plaintiff’s lawsuit alleges negligence against both Beslidheje, Inc. and Zubairi, claiming that the stairway had insufficient or inoperative lighting at the time she fell.
The Association was involved in a pending civil lawsuit venued in Hennepin County District Court, State of Minnesota, against Urban Homeworks, Inc. (“the Declarant) in Master Civil Construction Engineering, Master Property Management, LLC and Master Development Services, LLC, (“the General Contractor”). The declarant and general contractor sued 3rd party subcontractors Advanced Stucco and Stone, Inc. “Advanced Stucco”, All Seasons Chalking and Company, Inc. “All Seasons”, Tappe Construction, Inc. (“Tappe”), Stellar Contractors, Inc. (“Stellar”).
The insureds, who live in a separate house on the same property, refute all of the plaintiffs’ allegations with the exception of their concession that a portion of the siding is missing from one of the exterior walls. They explained that during the renovation of the house, which was completed approximately one year before the plaintiffs took possession, they had a window removed from
In Maryland, insurance policies are generally construed in the same manner as contracts. Collier v. MD-Individual Practice Ass 'n, Inc., 327 Md. 1, 5, 607 A.2d 537 (1992). An insurance contract, like any other contract, is measured by its terms unless a statute, a regulation, or public policy is violated thereby. Pac. Indem. Co. v. Interstate Fire & Cas. Co., 302 Md. 383, 388, 488 A.2d 486 (1985). We do not follow the rule, adopted in other jurisdictions, that an insurance policy is to be construed most strongly against the insurer. Collier, 327 Md. at 5; Cheney, 315 Md. at 766. We construe the instrument as a whole in order to determine the parties’ intent. Pac. Indem., 302 Md. at 388; Collier, 327 Md. at 5; Aragona v. St. Paul Fire & Marine Ins. Co., 281 Md. 371, 375, 378 A.2d 1346 (1977). In order to determine the intention of the parties, “Maryland courts should examine the character of the contract, its purpose, and the facts and circumstances of the parties at the time of execution.” Pac. Indem., 302 Md. at 388 (citations omitted). In doing so, we give the words their usual, ordinary, and accepted meanings. Id.; Mut. Fire Ins. Co. v. Ackerman, 162 Md. App. 1, 5, 872 A.2d 110 (2005) (citing Nationwide Mut. Ins. Co. v. Scherr, 101 Md. App. 690, 695, 647 A.2d 1297 (1994)). The test is what meaning a reasonably prudent layperson would attach to the term. Pac. Indem., 302 Md. at 388.
Mr. Alvarado approached my client suddenly after running a red light. The negligence of your insured caused Ms. Tellez to collide into Mr. Alvardo’s left side of the door after Mr. Alvarado ran a red light. Ms. Tellez bags deployed, causing great damage to her car. See Photographs, attached as Exhibit A. The two-car collision occurred suddenly and without warning.
Regarding the issue of “Alter Ego” relative to the insured’s business entities; this was schedule to be presented to the court on 08/22/16, has there been any ruling to date?
Insurance claim adjuster Broward and Dade County assists clients to submit the documents along with survey reports for acquiring maximum funds. Anyone who wants to handle complex issues in claiming process can work with the adjuster for experiencing peace of mind from mental worries. Guidelines for reopening the denied claims are available for those who want to ensure more protections in their lives. In most cases, public adjusters give ways for acquiring best amounts from insurance firms to restore conditions in a building. Those willing to know more about roof damage claims can consult with them for reducing complications. On the other hand, it is imperative to make a study on the adjusters from the internet before hiring services. This will also help a lot for obtaining better compensations for property damages to plan the repair works
I never imagined myself as a mediator, but prior to beginning this class I learned from previous students that it included role plays in which we mediated disputes between our classmates. I incorrectly assumed we would be thrust in a simple situation like helping mutual friends work out some simple disagreement. I did not realize we would practice our conflict management skills in so formal and serious a setting. I found the prospect somewhat daunting, but as the semester progressed I became increasingly comfortable with mediation. I performed well in certain aspects of the mediations and struggled, but improved in, others, culminating in my best mediation yet. In short, I improved my mediating abilities throughout the semester, progressing from an average mediator who performs adequately to an excellent one who effectively uses key mediation tactics, at least in role plays.
MDM Group Associates, Inc.v. CX Reinsurance Company Ltd. 165 P.3d 882 (Colo. Ct. App. 2007) ch 35
While being part of the Families in Transition VISTA (Volunteers in Service To America) Program, I experienced the most difficult negotiation of my career so far. During the course of one year, young professionals are placed in nonprofit organizations across the United States under the premise that a year of service is an opportunity to grow professionally, personally and improve the quality of life of millions of Americans living in poverty. For that reason, I had the opportunity to work along with two other women for the New Hampshire-based homeless services provider. During the course of the year, 3 evaluations with our direct supervisor were scheduled. One at the beginning of the year, the second one during mid-year and a third one, at the end of the year. While working closely with other individuals, conflicts may occur.
The role play mediation focused on identifying the issues, creating options and reaching an agreement based upon the information brought forward by the two disputing parties. The issue between the parties was due to one of the parties being constantly interrupted by the other parties’ noise and as a result, was unable to finish her manuscript. Using a facilitative model of mediation, the mediator was able to assist the parties to come to an agreement that worked for both of them. A facilitative mediation incorporates the needs and interests of the parties, to arrive at an outcome that both parties are happy with. As a result, the parties settled on an agreement that allowed both to continue with their activities, but with certain conditions. The conditions allowed each individual to continue with their actions as long as they followed the schedule created, until the soundproofing was installed at a later date.
If you have never been involved in real estate or business mediation, there are a few things that you need to know. First of all, mediation is confidential. Everything that is discussed and documents prepared specifically for the mediation are not used outside of the mediation process. They are not used in any portion of any ensuing trial or litigation. The confidentiality of mediation is in place to ensure that parties and attorneys can freely discuss facts and issues openly without the fear that comes they consider the harm their words could inflict on their case outside of the mediation process. This allows the parties to speak openly which is the entire reason that mediation can be successful in leading parties towards solutions and settlement agreements.
Answer: Property and casualty insurance protects property (houses, cars, boats, and so on) against losses due to accidents, fire, disasters, and other calamities. Property and casualty policies tend to be short-term contracts and, that’s why the subject to frequent renewal is, and one more characteristic feature is the absence of savings component. Property and casualty premiums are based on the probability of sustaining the loss. To estimate the key determinant of the price of an insurance policy, i.e. risks, insurance companies take third-party proceedings that develop models of catastrophe loss probabilities. Based on the numbers form Exhibit 5 of the case we see that