Typical equipment breakdown policies describe covered equipment as electrical or mechanical equipment that utilizes or generates energy. Examples of…

Towed Vehicle Causes Damage—Which Policy Provides Coverage? Our insured is a towing company. It has a standard business auto policy with a garagekeepers…

Discusses the meaning of the term suspension in older edition of the business income coverage form before ISO clarified the term.

Tenant's Auto Damages Covered Under Apartment Building Owner’s CGL Policy? Insured owns an apartment building. Large icicles have formed on the…

Discusses frozen pipes, and the vacancy provision in a building held for rent.

Hired Auto Loss of Use Expenses September 12, 2012 I am wondering about the ISO hired auto loss of use expenses. The coverage form provides $20 per…

Limited Liability Company as an Insured September 12, 2012 This applies to general liability, auto, and umbrella liability. In the Section II - Who…

Covered Auto Designation Symbol 9 Analysis Symbol 9 on the business auto policy refers to nonowned autos, that is, those autos that the named insured…

Theft of Copper Not Vandalism An unknown person stole the copper and major components from our policyholder's A/C unit. He filed a claim for vandalism;…

Tenants' Improvements Not Covered When Not Acquired or Made at Tenant's Expense Most commercial property forms include leasehold improvements under…