<div dir="ltr"><div><div class="gmail_default" style="font-family:arial,sans-serif">Mike - </div><div class="gmail_default" style="font-family:arial,sans-serif"><br></div><div class="gmail_default" style="font-family:arial,sans-serif">As a 15 year former insurance coverage attorney, I will advise that it truly does depend on the policy. Are you talking about a homeowner's policy? A commercial general liability policy? An auto policy? Umbrella? Professional Malpractice? Is this for a carrier that is an "admitted" carrier to Washington or an excess or surplus lines carrier that is not admitted in Washington?</div><div class="gmail_default" style="font-family:arial,sans-serif"><br></div><div class="gmail_default" style="font-family:arial,sans-serif">Though, like most of our estate documents, the majority of a policy is boilerplate and is pulled together through uniform provisions.....it is a wild west of how terms and conditions are pulled together. </div><div class="gmail_default" style="font-family:arial,sans-serif"><br></div><div class="gmail_default" style="font-family:arial,sans-serif">Again, as a former industry representative, I am extremely cautious and always conservative with - when in down, contact your carrier/agent and make sure that you have coverage. It was my job to be the one who would write the "I'm sorry, this is not a covered claim" letter - and we never lost. Not to say we weren't sued, but I had a 100% perfect trial or Summary Judgment record because the penalties for improper denial are so terrible in Washington that we would only ever recommend denial if we were certain we could win in court. </div><div class="gmail_default" style="font-family:arial,sans-serif"><br></div><div class="gmail_default" style="font-family:arial,sans-serif">Good luck!</div><br clear="all"></div><div><div dir="ltr" class="gmail_signature" data-smartmail="gmail_signature"><div dir="ltr"><div dir="ltr"><p><b><span style="font-family:"Times New Roman",serif">Brent
Williams-Ruth</span></b><span style="font-family:"Times New Roman",serif"> (pronouns: he/him)<br>
<i>Attorney-At-Law</i></span></p><p><b><span style="font-family:"Times New Roman",serif">Law
Offices of Brent Williams-Ruth, </span></b><b><span style="font-family:"Times New Roman",serif"><font size="1">a division of BWR Consulting, PLLC</font></span></b><b><span style="font-family:"Times New Roman",serif"></span></b></p><p><b><span style="font-family:"Times New Roman",serif">Physical Address: 500 S 336th Street, Suite 214; Federal
Way, WA 98003</span></b><span style="font-family:"Times New Roman",serif"></span></p><p><b><span style="font-family:"Times New Roman",serif"><font color="#ff0000">Mailing Address:</font> </span></b><b><span style="font-family:"Times New Roman",serif">PO BOX 3319; Federal Way, WA 98063 </span></b></p><p><span style="font-family:"Times New Roman",serif">Office/Scheduling
Phone:<span style="color:#004080"> </span><font color="#ff0000">(253) 285-7751</font></span></p><p><font color="#ff0000" face="Times New Roman, serif">For All Meetings & Scheduling: <a href="mailto:info@williams-ruthlaw.com" target="_blank">info@williams-ruthlaw.com</a></font></p><p>
</p><p><span style="font-family:"Times New Roman",serif"><a href="mailto:Brent@Williams-RuthLaw.com" target="_blank">e-mail</a> / <a href="http://www.williams-ruthlaw.com/" target="_blank">website</a> /</span><span style="font-size:9.5pt;font-family:"Times New Roman",serif"> </span><span style="font-family:"Times New Roman",serif"><a href="http://www.facebook.com/bwrlaw" target="_blank"><span style="font-size:9.5pt">facebook</span></a></span><span style="font-size:9.5pt;font-family:"Times New Roman",serif"> / </span><span style="font-size:12.0pt;font-family:"Times New Roman",serif"></span></p></div></div></div></div><br></div><br><div class="gmail_quote gmail_quote_container"><div dir="ltr" class="gmail_attr">On Wed, Sep 30, 2026 at 12:37 PM Mike Zeno <<a href="mailto:mikez@zenolawfirm.com">mikez@zenolawfirm.com</a>> wrote:<br></div><blockquote class="gmail_quote" style="margin:0px 0px 0px 0.8ex;border-left:1px solid rgb(204,204,204);padding-left:1ex"><div class="msg-3257556505481158060">
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<p class="MsoNormal"><span style="font-family:"Times New Roman",serif;color:rgb(0,32,96)">I’ve heard from time to time that if an insured natural person transfers to an LLC, the LLC will be an insured under the policy. Can anyone explain why this is so?<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-family:"Times New Roman",serif;color:rgb(0,32,96)"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="font-family:"Times New Roman",serif;color:rgb(0,32,96)">I realize it depends on the policy. But under the ALTA Homeowners Policy (2021), I’m having a hard time finding anything that provides that sort of coverage, at least explicitly.
I’ve looked at “Continuation of Coverage,” which extends coverage to breach of warranty claims against the insured. But often the transfer into the LLC is by quit claim deed, which creates an obstacle to the warranty claim (though there are arguments to the
contrary that might work). In any case I’m looking for another basis for LLC coverage. The definition of the insured (“You”) doesn’t seem to help.<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-family:"Times New Roman",serif;color:rgb(0,32,96)"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="font-family:"Times New Roman",serif;color:rgb(0,32,96)">Any thoughts?
<u></u><u></u></span></p><a href="https://www.google.com/maps/search/135+Lake+Street+S.,+Suite+257+%0D%0A+Kirkland,+WA+98033?entry=gmail&source=g">
</a><p class="MsoNormal"><span style="font-family:"Times New Roman",serif;color:rgb(0,32,96)"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="font-family:"Times New Roman",serif;color:rgb(0,32,96)">Mike<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-family:"Times New Roman",serif;color:rgb(0,32,96)"><u></u> <u></u></span></p>
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<p class="MsoNormal"><b><span style="font-size:11pt;font-family:Calibri,sans-serif;color:rgb(31,73,125)">The Law Office of G. Michael Zeno, Jr., P.S.</span></b><span style="font-size:11pt;font-family:Calibri,sans-serif;color:black"><u></u><u></u></span></p>
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