Skilskis on Claude

adjudicate professional e&o claims-made coverage with retroactive date / prior-acts / extended reporting period (erp) tail / discovery period / continuity-of-coverage analysis. embedded iso claims-made principles, tail purchase rights, prior-knowledge exclusions, and helfand v. national union, mgm mirage, pacific insurance company line. self-contained.

resolve the boundary between professional services (covered by e&o / professional liability) and products-completed-operations hazard (covered by cgl coverage a) when an underlying claim spans both lines. embedded iso cg 21 16 (professional services exclusion) variants, profession-specific exclusions, integrated/hybrid risk allocation, and visiting nurse/standard fire/allmerica line. self-contained.

allocate long-tail asbestos / pollution / latent loss across a multi-year carrier tower using time-on-risk pro-rata (owens-illinois, carter-wallace, boston gas) or all-sums (montrose iii, goodyear, hercules). embedded pro-rata math, horizontal vs vertical exhaustion, insured-share for uninsured years, qualified vs absolute pollution exclusion timing. self-contained.

map a claim-handling sequence to naic unfair claims settlement practices act (ucspa) model standards as adopted in the situs state. embedded california insurance code §790.03(h) 16 standards, texas insurance code §541.060, and florida §626.9541(1)(i). identifies regulatory violations, market-conduct exam exposure, and private-right-of-action availability. self-contained.