(Indemnity Agreement Sold in Connection with Rental of a Self-Storage Unit Did Not Constitute a Contract of Insurance Subject to Provisions of the Insurance Code and Title 10 of the Code of Regulations)

(Insured’s Pre-Existing Diabetes Not a Substantially Contributing Factor to Amputation of His Leg Post-Motor Vehicle Accident)

(Negligent Hiring, Retention and Supervision of Employee Who Molested a Student Qualifies as an “Accident” Covered by Liability Policy)

(Duty to Defend Underlying Lawsuit Alleging Interference With an Easement Is Triggered Under Personal Injury Coverage Afforded by Umbrella Policy)

(First Party Property Policy Does Not Cover Fraudulent Sale of Purported Rare Wine)