Contact Us: (702) 996-6434
Life | Health | Medicare | Auto | Home | Business Insurance
  • Welcome
  • Insurance Quotes
    • Car Quotes >
      • Auto Insurance Quote
      • RV Insurance Quote
      • Classic Car Insurance Quote
      • Scooter Insurance Quote
      • Motorcycle Quote
      • Roadside Assistance Quote
    • SR22 Insurance
    • Property Quotes >
      • Home Insurance | Las Vegas, NV
      • Renters Insurance Quote
    • Business Quotes >
      • Professional Liability
      • Business Owners Insurance Quote
      • Business Medical Insurance
      • Surety Bond Quote
      • Workers Compensation Quote
    • Health Quotes >
      • Health Insurance Quote
      • Global Medical Insurance
      • Hometown Health Insurance
      • Individual Temporary Health Insurance Quote
      • Critical Illness Insurance Quote
      • Dental Insurance Quote
      • Long Term Care Insurance Quote
      • Medicare Supplement Coverage Quote
      • Vision Insurance Quote
    • Life & Financial Quotes >
      • Term Life Insurance
      • Life Insurance Quote
      • Annuity Quotes
      • Disability Insurance Quote
    • Event Insurance Quote
    • Umbrella Insurance Quote
    • Other Quotes >
      • Boat Insurance Quote
      • Travel Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Products
    • Motor Vehicles >
      • Auto Insurance
      • Classic Car Insurance
      • Motorcycle Insurance
      • RV Insurance
      • ATV Insurance
      • Roadside Assistance
    • Property >
      • Real Estate Investor Insurance Package
      • Home Insurance
      • Short Term Rental Homes
      • Renters Insurance - Las Vegas, Nevada
      • Vacant Home Insurance
    • Business >
      • Group Health Insurance
      • Commercial Truck Insurance
      • Business Owners Insurance Policy
      • Surety Bonds
      • Workers Compensation
      • Beauty Salon Liability Insurance
      • Tow Truck Insurance
      • Semi Truck Insurance
    • Event Insurance
    • Umbrella Insurance
    • Health >
      • Health Insurance
      • Health Savings Account
      • Critical Illness Insurance
      • International Travel Insurance
      • Dental Insurance
      • Home Healthcare
      • Medicare Supplement | Las Vegas
      • Vision Insurance
    • Life/Financial >
      • Final Expense Insurance
      • Life Insurance
      • Financial Planning
      • Annuities
      • Disability Insurance
      • Health Savings Account
    • Vacation Insurance >
      • Boat Insurance
      • Travel Insurance
  • Blog
  • About
    • Client Login
    • Careers
    • Staff Directory
    • Press Release
    • Licensing and Insurance
    • Legal Notice
    • Privacy Policy
    • Las Vegas Community
    • Digital Marketing
    • Insurance Carriers
    • Community Resources
    • Client Testimonials
    • Refer a Friend
    • Accessibility Statement
    • Insurance News
  • Contact
    • Schedule Appointment
  • Welcome
  • Insurance Quotes
    • Car Quotes >
      • Auto Insurance Quote
      • RV Insurance Quote
      • Classic Car Insurance Quote
      • Scooter Insurance Quote
      • Motorcycle Quote
      • Roadside Assistance Quote
    • SR22 Insurance
    • Property Quotes >
      • Home Insurance | Las Vegas, NV
      • Renters Insurance Quote
    • Business Quotes >
      • Professional Liability
      • Business Owners Insurance Quote
      • Business Medical Insurance
      • Surety Bond Quote
      • Workers Compensation Quote
    • Health Quotes >
      • Health Insurance Quote
      • Global Medical Insurance
      • Hometown Health Insurance
      • Individual Temporary Health Insurance Quote
      • Critical Illness Insurance Quote
      • Dental Insurance Quote
      • Long Term Care Insurance Quote
      • Medicare Supplement Coverage Quote
      • Vision Insurance Quote
    • Life & Financial Quotes >
      • Term Life Insurance
      • Life Insurance Quote
      • Annuity Quotes
      • Disability Insurance Quote
    • Event Insurance Quote
    • Umbrella Insurance Quote
    • Other Quotes >
      • Boat Insurance Quote
      • Travel Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Contact My Carrier
    • Online Documents
    • Free Consultation
  • Products
    • Motor Vehicles >
      • Auto Insurance
      • Classic Car Insurance
      • Motorcycle Insurance
      • RV Insurance
      • ATV Insurance
      • Roadside Assistance
    • Property >
      • Real Estate Investor Insurance Package
      • Home Insurance
      • Short Term Rental Homes
      • Renters Insurance - Las Vegas, Nevada
      • Vacant Home Insurance
    • Business >
      • Group Health Insurance
      • Commercial Truck Insurance
      • Business Owners Insurance Policy
      • Surety Bonds
      • Workers Compensation
      • Beauty Salon Liability Insurance
      • Tow Truck Insurance
      • Semi Truck Insurance
    • Event Insurance
    • Umbrella Insurance
    • Health >
      • Health Insurance
      • Health Savings Account
      • Critical Illness Insurance
      • International Travel Insurance
      • Dental Insurance
      • Home Healthcare
      • Medicare Supplement | Las Vegas
      • Vision Insurance
    • Life/Financial >
      • Final Expense Insurance
      • Life Insurance
      • Financial Planning
      • Annuities
      • Disability Insurance
      • Health Savings Account
    • Vacation Insurance >
      • Boat Insurance
      • Travel Insurance
  • Blog
  • About
    • Client Login
    • Careers
    • Staff Directory
    • Press Release
    • Licensing and Insurance
    • Legal Notice
    • Privacy Policy
    • Las Vegas Community
    • Digital Marketing
    • Insurance Carriers
    • Community Resources
    • Client Testimonials
    • Refer a Friend
    • Accessibility Statement
    • Insurance News
  • Contact
    • Schedule Appointment

Insurance Newsletter

Renters Insurance Policy

2/20/2020

0 Comments

 
Picture
Renters insurance policy is not intended to cover your business even if your using your home to conduct business.  One person learned the hard way that a renters insurance policy does not provide complete coverage for your business.  When operating businesses that involve children requires specialized coverage's. Avoid costly mistakes and speak with an independent insurance broker. 

Source: 
Judgement Case 

Leonard and Stephanie Riehl were sued by the Jamie Vandenberg for negligent parental supervision of their son , Justin. The Riehls lived in an apartment which was covered by a renter's policy from Continental Insurance Company. In December 1997, Stephanie was caring for the Vandenberg's infant son. Stephanie ran an unlicensed day care operation from her apartment. She cared for the Vandenberg child along with her own three children. One the day in question, Stephanie placed the Vandenberg infant in an upstairs bedroom, secured in a baby seat. Later, Stephanie's five-year old son, Justin, entered the room to watch television. The boy placed several pillows on top of the Vandenberg infant so he wouldn't be wakened by the noise from the TV. Later still, when Stephanie checked in on the baby, she found he had suffocated. Vandenberg sued the Riehls for failing to properly supervise their son.
The Riehls requested that Continental, their insurer, defend them against the suit. The insurer denied the claim and requested a summary judgment that the Riehls' claim did not qualify for coverage and that the contract could not be reformed to insure the daycare operation. The lower court granted Continental's request and Vandenberg appealed. The insurer reasserted its position. It claimed that their policy excluded business pursuits, defined daycare as a business pursuit and that the policy's exception for losses caused by non-business activity which occurs in the course of business did not apply to this loss. The insurer argued that Stephanie's supervision of her children was directly related to her daycare business. Vandenberg argued that the supervision of one's children is a continuous parental obligation and, should a loss arise from the duty, it should be covered.
The high court reviewed the policy language and it also studied several cases that contained some elements similar to the case at hand. The court considered the meaning of Continental's exclusion exception for non-business activities. In its opinion, the exception lost all meaning if it could not, in a given instance, be applied to a non-business activity that caused a loss in the course of a business pursuit. The court found the policy language, therefore its intent, ambiguous on that point. The lower court's grant of summary judgment in favor of the insurer was reversed and the case was remanded for rehearing.
Jamie Vandenberg, Plaintiff-Appellant v. The Continental Insurance Company, Defendant-Respondent. WisSCt. No. 99-3193. Filed July 3, 2001. 2001 Wisc. LEXIS 433. Reversed and remanded. CCH Fire and Casualty Cases Paragraph 6804

0 Comments

    News & Updates


    1415 Arville Street
    Suite 102E
    Las Vegas, NV 89102
    Click Here to Email Us

    Archives

    November 2020
    February 2020
    January 2020
    September 2019
    July 2019
    June 2019
    April 2019
    March 2019
    January 2019
    December 2018
    November 2018
    September 2018
    August 2018
    June 2018

    Categories

    All
    Awards
    Events
    Healthcare
    Legal
    Local
    Partnerships
    Staff

    RSS Feed

Navigation

Homepage
Insurance Quotes
Policy Service
Insurance Products
Contact Us
Agent Login
Employee Scheduling
Employee Intranet
Employee Training 

Connect With Us

Picture

Share This Page

Contact Us

Insurance Group of Nevada
Graphic Arts Plaza 
1415 Arville Street 
​Suite 101
Las Vegas, NV 89102
Office: (702) 996-6434
Toll Free: 1-877-732-7603
Emergency: 1-702-420-6373​
Click Here to Email Us
Review Us

Location

Website by InsuranceSplash

Proudly serving families since 2011 ​

Personal lines insurance products sold exclusively through affiliated insurance companies. 
Health Insurance is sold through the health insurance marketplace, and direct health insurance carriers. All insurance plans are subject to final underwriting review and review by the respective insurance carrier.  In California our independent insurance agency operates as Thompson-Penny Insurance Agency CA License 6008499 

NV License: 3565074                                                   LA License:  997068                                                         VA License:  Dante Thompson -  
817570
CA License: 6008499                                                   FL License:  Dante Thompson - W893661          SC License:  Dante Thompson - 16204902
AZ License: 
3002038503                                         NC License: 3002107493
TX License: 2868598                                                   NJ License:  3002112144

Privacy Statement 

By accessing this website  you are agreeing to be bound by these terms of service, all applicable insurance laws and regulations, and agree that you are responsible for compliance with any applicable insurance local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. This website uses SSL secure data transmission to prevent unauthorized use and retrieval.  This website has been embedded with the Google translate tool to accommodate multiple languages across our website. However do the accuracy of Google translate we do not endorse or promote Google translate. Google translate is for your convenience.