Ask Tim

​The following is a rerun of a blog post that was originally posted on ​February 7, 2011.  It has been revised only to update some of the wording. Unfortunately, it is still timely.​​Question from a Big I NY ​member: Our insured has a license to carry a gun.  When being confronted by an attempted robbery, he uses the gun but the shot hits a bystander.  I do not see where an exclusion would apply in this case as it was not expected or intended.  Do you agree that his liability insurance would defend him in this situation?  Even if the shot hits the robber, I would think coverage…

​An article ​posted on PropertyCasualty360.com today features the headline Firework injuries have skyrocketed since 2012. With that report in mind, along with the annual Independence Day celebration around the corner, I thought it might be a good time to rerun a blog post I made on July 5, 2012. I hope you enjoy and celebrate the holiday safely. -- TDIt's the day after the Fourth of July, but that doesn't mean the celebrations are over. Really, having the holiday on a Wednesday just enables the party to last through the weekend. Independence Day means all the traditional American rituals -- baseball, hot dogs, apple pie ...…

Ketanji Brown Jackson today took the oaths of office to become the newest associate justice of the U.S. Supreme Court. She succeeds Associate Justice Stephen Breyer, for whom she once served as a clerk. I always find it interesting, when a Supreme Court justice enters or exits (Scalia, Ginsburg) the stage, to investigate how they have ruled on cases that might be of concern to insurance carriers, agents or brokers. Presidents tend to pluck jurists from the federal courts when they nominate Supreme Court justices. Insurance, however, is regulated primarily at the state government level. For that reason, I don't often find a lot when…