David owns a commercial building with a replacement cost of…

David owns a commercial building with a replacement cost of $5 million. The building is insured for $4 million under a fire insurance policy, and the policy requires an 80 percent coinsurance clause. How much will David collect if the building sustains a covered fire loss of $80,000?

A business owner suffers a complex fire loss involving milli…

A business owner suffers a complex fire loss involving millions of dollars in inventory and business income. The owner is worried the insurance company’s settlement offer is too low and the process is too complicated. The owner hires Jason to represent their interests and negotiate with the insurance company for a higher payout (usually for a percentage of the settlement). Jason is likely to be a

Your client just called to tell you that while she was at th…

Your client just called to tell you that while she was at the gym with her physical therapist, she saw the orthopedic surgeon walking toward the gym’s tennis courts with a tennis bag on his arm. Your client was overcome with jealousy and decided to confront the surgeon. As the surgeon walked past, your client forcefully grabbed the surgeon’s tennis bag to get his attention. However, the movement of the tennis bag knocked the surgeon off balance, and he fell. When the surgeon stood up, he was clutching his shoulder in pain. Your client apologized, but the surgeon began shouting about battery and told your client that she would hear from his lawyer. Your client does not understand how the incident could be a battery when she did not hit the surgeon. Identify one element of battery and one known fact about the confrontation in the gym that would support the orthopedic surgeon’s claim that your client committed a battery. The length of each answer should be about one sentence or phrase.