Faulty Work and Digester Cover June 29, 2015 A local sewer authority that we insure experienced a large loss when the steel anchors for the cover of…

"Foundations" as Property Not Covered   Under "property not covered," the commercial property policy (CP 00 10 04 02) reads, "foundations of buildings,…

Mechanical Breakdown and Wear and Tear Exclusion—Not Applicable We insure a commercial building and its business personal property on the commercial…

Water Tower as Covered Property under Commercial Property Form   Our insured had an extensive fire at his hotel. On top of the hotel was a non-functional…

Pollutant Clean Up—Coverage for Testing and Removing Mysterious Barrels of Waste Our question concerns coverage under form CP 00 10 04 02, which…

Discusses if restocking a store after a loss is covered extra expense.

This case deals with material misrepresentation on an application when a general contractor was represented as a drywall contractor.

Personal and Advertising Injury Liability Question June 15, 2015 Our insured hired a construction company to construct a building. They agreed upon…

Facts of Loss Red Flags   June 15, 2015   Fraud can be easy or difficult to determine, depending on the expertise of the person committing the…

This checklist highlights when the timing of the loss or filing of the claim could indicate fraudulent activity.