Spoilage Loss Coverage Requires Mechanical Breakdown July 11, 2012 My client experienced a partial roof collapse. As a result, the local authorities…

Discusses whether business income coverage applies to loss of rental space that was closed as a result of asbestos.

July 09, 2012

Explosion Coverage July 9, 2012   Background   Summary: A standard feature of property insurance forms is the coverage for "direct physical…

Storage Fees under Garage Coverage July 2, 2012 Our insured was doing mechanical work on a customer's car and the employee took the vehicle out for…

June 28, 2012

Federal Workers Compensation Endorsements June 21, 2012 Workers Compensation on a National Level Summary: Workers compensation laws and programs are…

June 28, 2012

Discusses the earth movement exclusion in both commercial and personal lines policies.

Return of Unearned Premium June 25, 2012 My question is related to return of unearned premium following payment of policy limits after a total loss.…

Blanket Coverage Discussed—Archived Article 2 September 2005 Advantages and Disadvantages Summary: There are two basic methods of insuring commercial…

June 21, 2012

Explain the Reason for Coinsurance to Your Insureds—Archived Article December, 2001 Using This Example Will Make It Easy Summary: It is…

June 20, 2012

Leased Employees   June 20, 2012 Workers Compensation and Liability Exposures Summary: A leased or borrowed employee is defined as one who is…