Products and Completed Operations Hazard Redefined September 20, 2011 A person goes into a restaurant, consumes and ingests the food, and becomes ill.…

When a hotel suffers damage from a collapse, how the policy defines collapse is critical to whether or not coverage is provided.

ISO Home Business Insurance Coverage—Liability Reviewed September 8, 2011 Definitions and Liability Coverages Summary: Insurance Services…

A discussion of the home-based-business endorsement HO 07 01.

Hit-and-Run Driver Responsible for Property Damage Claim August 29, 2011 A hit-and- run driver hit a car, which in turn was pushed into a building.…

Discusses application of depreciation in determining actual cash value with regard to commercial property, personal property, and autos.

Actual Cash Value, Replacement Cost, and Property Coverage Forms A contractor is insured under a CP 00 10 04 02, which covers his premises and contents.…

Discusses loss of business income and time to be restored to normal income level.

Questions if the monthly limit of indemnity on the business income coverage form also applies to the utility services - time element endorsement.

Discusses business income when autos are involved.