Like most liability guidelines, the Jones Directive contains an exclusion entitled “Material Damage.” The exclusion eliminates coverage of claims that should be insured under a commercial real estate policy. The disclaimer excludes, among other things, the coverage of property damage that you (the unnamed insured) own, lease or provide. Jones Creamery and Jones Manufacturing are both considered policyholders in the policy, so they are both considered like you. The separation of insurance clauses is particularly useful when it comes to an exclusion from the LMC that deals with “insured” acts or omissions. These clauses, when considered in addition to the separation of the insurance provision, have been interpreted to apply only to the behaviour of the insured seeking coverage under the policy. The central question is how to apply an exclusion or a restrictive language if it excludes coverage for “all insureds,” as opposed to “the insured.” Although the insured tries to collect as part of a policy that covers it, they do not complain themselves, but another insured; and the “separation of insureds” clause covers such situations. This is a particularly important issue with respect to the employer`s non-responsibility. It has been difficult for the courts to determine when the separation of the insured`s pension means that the designated insured is covered for the injuries of the staff of an additional insured or for an additional insured for the injuries of an insured employee. This determination may be based on seemingly inconsistent word choices. A major case in Pennsylvania stated that the employer`s disclaimer did not apply to an action against a designated insured, filed by a staff member of the additional insured. The Court of Justice`s decision was based on the distinction between “insured” – that is.dem search for insurance – and “one” insured, that is, all policyholders under the policy.
Since the insurance claimant is considered to be totally divorced and separated from other policyholders because of the separation of insured provisions, a worker from another insured is not a worker of the insured.