
APRIL 1st – LET THE FOOL NOT TO BE ON YOU
April 1st is known as April Fool’s Day, which marks a tradition of playing practical jokes. This tradition dates back to several centuries. In this day and age, people could take a practical joke too far and some might take the joke personally offensive, leading to litigation. Therefore, it is important to get liability coverage to protect yourself. For example, if someone pulls a prank on an individual that would result in a lawsuit, and the defendant has a homeowners policy that uses what we call standard ISO language, then personal liability would be included and will protect from “bodily injury” damages. So, if the litigation were due to some form of bodily harm, then the policy would respond. Nevertheless, this is based on the assumption that the injury was not intentional.
On the other hand, the claim will be denied if the injury was caused on
For instance, if a business owner was at an interview and gave a comment about competing online carriers providing an inferior level of service, though it is legal recourse, this would be a personal injury type claim. Yet, a company which ran an ad and compared his/her business level of expertise to that of an online carrier would suggest an advertising injury, because the business owner defamed the competition while advertising his/her service.
Therefore, make sure personal injury is added onto your