Policy Interpretation: Understanding the three coverage qualifiers

The key to being able to interpret coverage on most insurance policies is the ability to always identify the three coverage qualifiers. Identifying a proper insured person or entity, identifying the covered activity and identifying the covered damages are essential to interpreting coverage.

This session will break down those three qualifiers in a variety of insuring agreements so that attendees will leave with a more systematic way to look for coverage.

• The three coverage qualifiers
• Insurance policies as contracts of adhesion
• Identifying ambiguity in the policy contract
• Avoiding an estoppel situation