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Coverage Issues Stemming from Med Pay Claims Under Commercial Premises Liability Policies
Medical payments (“med pay”) coverage is a part of many commercial premises liability policies. Typically, med pay covers reasonable medical expenses, regardless of fault, up to a specified limit (usually between $1,000 and $10,000) if someone is hurt on the policyholder's premises.
Med pay coverage is usually purchased for good will purposes. It is hoped that if an injured person's medical expenses are paid, it will deter the injured person from instituting a lawsuit. To illustrate: Suppose a customer slips and falls while shopping at a store and incurs medical expenses. Because med pay coverage is applicable regardless of fault, the store can arrange for its customer's medical expenses to be paid under the med pay provisions in the store's liability policy. This way, through its show of good will, the store can avoid an acrimonious exchange with the customer ' or a lawsuit ' concerning whether the slip and fall was the store's fault.
Med pay coverage has been described by some courts as “a form of minimal group accident insurance.” In many states, med pay provisions are considered third party beneficiary contracts giving the injured party a right to a direct action against the insured. Accordingly, if an insurer were to refuse to pay a med pay claim arising from an injury on the policyholder's premises, the injured party could sue the insurer directly.
Yachts, Jets, Horses & Hooch: Specialized Commercial Leasing Models
Defining commercial real estate asset class is essentially a property explaining how it identifies — not necessarily what its original intention was or what others think it ought to be. This article discusses, from a general issue-spot and contextual analysis perspective, how lawyers ought to think about specialized leasing formats and the regulatory backdrops that may inform what the documentation needs to contain for compliance purposes.
Hyperlinked Documents: The Latest e-Discovery Challenge
As courts and discovery experts debate whether hyperlinked content should be treated the same as traditional attachments, legal practitioners are grappling with the technical and legal complexities of collecting, analyzing and reviewing these documents in real-world cases.
Identifying Your Practice's Differentiator
How to Convey Your Merits In a Way That Earns Trust, Clients and Distinctions Just as no two individuals have the exact same face, no two lawyers practice in their respective fields or serve clients in the exact same way. Think of this as a "Unique Value Proposition." Internal consideration about what you uniquely bring to your clients, colleagues, firm and industry can provide untold benefits for your law practice.
Risks and Ad Fraud Protection In Digital Advertising
The ever-evolving digital marketing landscape, coupled with the industry-wide adoption of programmatic advertising, poses a significant threat to the effectiveness and integrity of digital advertising campaigns. This article explores various risks to digital advertising from pixel stuffing and ad stacking to domain spoofing and bots. It will also explore what should be done to ensure ad fraud protection and improve effectiveness.
Turning Business Development Plans Into Reality
This article offers practical insights and best practices to navigate the path from roadmap to rainmaking, ensuring your business development efforts are not just sporadic bursts of activity, but an integrated part of your daily success.