Am I Legally Liable? JULY 12, 2021
Bill Wilson Founder at InsuranceCommentary.com
Your insured asks, “If I do ‘X’, am I legally liable?” Or, “If ‘this’ happens, am I legally liable?” How do you answer questions like this? While I retired from the Big “I” almost five years ago, I still participate in their Virtual University’s “Ask an Expert” service. This morning, we were presented with this question from an agent: “Neighbor’s building had bricks fall off and damage my insured’s building. Not
weather related, maintenance issue. I know the insured can go under his own coverage for RC, but is the other carrier liable for damages? “One part of me says no, the neighbor didn’t know about the damage to their building so this would be like a tree falling on my insured’s roof. “The other part of me says that if the bricks had hit a pedestrian, the building owner would have been
