What is a Claim? September, 2002 A Treatise on What Constitutes a Claim Summary: This is an article written by Mr. Thomas M. Bower, a partner…

Is Betterment Deduction Allowed in Property Damage Claim? Our insured has a business auto policy and a claim arose recently wherein an employee backed…

Personal Auto Insured on BAP—Who Is an Insured?   Our policyholder is a corporation. There is a fleet of several vehicles insured on it.…

Property Manager Liable for Fire Damage? Our agency insures several property managers of condominium associations. The general liability policies for…

Leased Auto Covered as Owned Auto? Our insured has symbol 2, owned autos only, to describe the covered autos on his business auto policy. The question…

Railroad Protective Policy and Additional Insured Status If a contractor names a railroad as an additional insured under its CGL form, is there a need…

Business Auto Coverage for EmployeesMy client is an employer who owns no autos. However, he does have hired and nonowned auto coverages under the…

Our client has several buildings located in different parts of the country. One group of buildings had a flood loss last summer that damaged three…

Discusses drawees relative to credit card transactions.

Truckers Coverage and Leased Vehicles Our insured has coverage for specifically described vehicles and hired autos under his truckers coverage form.…