This is an overview of the businessowners liability coverage and an analysis of the liability and medical expenses definitions and conditions.

Discusses dependent property contingencies and available coverages, as well as application of the additional coverage for civil authority.

A directory of majority of commercial contract analyses containing links to each analysis as of date published.

This discusses and analyzes several new and revised ISO endorsements addressing such exposures as silent cyber, electronic data loss, and data privacy issues, endorsements to be effective January 1, 2024.

This discusses and analyzes several new and revised ISO endorsements addressing such exposures as silent cyber, electronic data loss, and data privacy issues, endorsements to be effective January 1, 2024.

Introducing ISO's endorsement BP 15 91 which excludes perfluoroalkyl or polyfluoroalkyl substances (PFAS) from the businessowners policy, including an analysis of the endorsement.

ISO is implementing earthquake rule changes that will enable a soft story factor to be applied to earthquake coverage when the building has a soft story.

Summary:  With an effective date of 9/1/22 ISO has made available several endorsement amendments to address abuse or molestation liability exposures…

There seems to be no end to the confusion from insureds, agents, claims adjusters, and even some carriers, over application of the loss assessment coverage. This article undertakes to provide understanding using various scenaries to explain the coverage.

Effective 4/1/2020, ISO has introduced a new multistate program designed for micro-businesses, so named for their size eligibility of 0-4 employees and maximum annual sales of $500,000. Here we will discuss the eligibility criteria and provide an overview of the new product.