# business insurance

General Liability vs. Professional Liability | The Hartford » Learn the difference between general liability vs. professional liability insurance and get your business the protection it needs. Let The Hartford help you make the best decisions concerning the coverages your small business needs. Thehartford.com

American Insurance Company v. Canter, 26 U.S. 511 (1828) » American Insurance Company v. Canter Supreme.justia.com

Nationwide Mutual Ins. Co. v. Darden, 503 U.S. 318 (1992) » Nationwide Mut. Ins. Co. v. Darden Supreme.justia.com

Statewide Insurance Fund v. Star Insurance Company » This insurance coverage dispute between a public entity joint insurance fund (JIF) and Star Insurance Company (Star), a commercial general liability insurance company, turned on whether the JIF provided “insurance” to its members or, instead, the JIF members protect against liability through “self-insurance.” That distinction was pertinent here because Star’s insurance policy included a clause under which its coverage obligations began only after coverage available through “other insurance” has been exhausted; the clause, however, did not mention “self-insurance.” Star argued the JIF provided insurance and therefore Star’s coverage was excess to the JIF; the JIF disagreed, contending that because its members were instead “self-insured,” Star’s coverage was primary. The New Jersey Supreme Court found that under the plain language of N.J.S.A. 40A:10-48, a JIF “was not an insurance company or an insurer under New Jersey law, and its “authorized activities . . . do not constitute the Law.justia.com