Question

General aggregate 2million
Products completed operations 2 million
each occurance 1 million
Personal and advertising 1 million
damage to premesis rented to you 100,000
medical expenses 5,000

Apply the Limits for each claim

Claim1: Becky sells toy stoves. Employee tosses a cigarette in a trash can within a store that becky leases. 150k damage to the building and 600k damage to the neighbors building.

Claim 2: Becky sells toy stoves. One of the stoves starts a fire at a store becky leases in the mall. 3 kids are burned and have injury claims totalling 1 million. The store sustains 60k in damage.

Claim 3: One of the stoves was purchased and starts a fire at the customers home. Damages awarded are 600k.

Claim 4: The manager at Beckys store detains a customer suspected of shoplifting. The customer is injured in the process. No evidence was found to support the allegation and the court awards 100,000 in damages for false detention and 250,000 for the customers injury.

Answer 1

Claim 1

Becky will receive 100K toward Damage to leased Property as renetd Property Claim is covered to 100K only. another 50K will be bared by Becky from his Pocktes. Becky will receive 600K towards damage of neighbours premises from General claim.

Total Claim receivable = 100K + 600K = 700K

Claim 2

Claim receivable to becky will be 1million towards kids injury from genral insurance and 60k towards renetd premises.

Total Claim receivable = 1Million + 60K = 1060K

Claim 3

Becky can calim full 600K towards fire and cutomer home as against Product completed Operation

Total Calim receibale = 600K

Claim 4

Becky Cannot make a claim as payament made by him is on behalf of penalty not due to fire or any acceident hence no amount can be claimed by becky.