Property & Liability Resource Bureau Disclaimer

We hope this discussion assists you. It is intended to present you with information about case law and other authority applicable to the interpretation of the relevant insurance policy provisions. Any opinions expressed are for internal use only. This discussion is presented as information only and is not offered as legal advice or an offer of legal representation. PLRB research and writing is not a substitute for legal advice as to the law of a particular jurisdiction as applied in the full factual context of a particular claim.

The opinions expressed in this discussion are those of the staff of the Property & Liability Resource Bureau and do not necessarily represent the opinions of the membership. The opinions of the staff of the Bureau do not represent an indication or prediction of any future action or position of any member insurer. You should consult with your company’s management to determine your company’s positions on the issues discussed.

Confidentiality & Copyright Notice

Property & Liability Resource Bureau members may reproduce this material or any portion of it for the exclusive use of their employees. Any other reproduction or distribution of this material or any portion of it without the express written consent of the Bureau is strictly prohibited. A full statement of our confidentiality policy and its rationale is here.