Collapse Loss or Wet Rot Loss? Q A church we insure recently suffered a collapse loss. The roof collapsed due to rotten timbers, and blew out two…

"Glass" in Special Causes of Loss Form Q The Insurance Services Office special causes of loss form (CP 10 30 06 95) covering commercial property contains…

Completed Operations Coverage Under CGL Form? Q Our agency insures many bus companies, all of which are insured under ISO commercial general liability…

Protective Safeguards Endorsement and Mortgagees Q Our company issues mortgages, and we are named as a mortgagee on the insurance policies of these…

Percent Deductible Application under Commercial Property Policy Our insured owns a strip mall, consisting of several buildings, in Florida . Both Hurricanes…

"Damage to Your Product" CGLExclusion and Furnace Installation Q Our insured, an HVAC contractor, installed a furnace in a home. A coil within the…

Signs Not Attached to Buildings at Time of Loss Excluded from Coverage Our insured had some signs that were permanently attached to the exterior walls…

Ordinance or Law Not Applicable to Construction of Parking Lot An insured has a building with no parking. A current ordinance requires buildings to…

Outdoor Signs Q Pursuant to the commercial property policy, CP 00 10 10 91, building coverage is written to include outdoor fixtures. Signs, other…

Extremes of Temperature Exclusion Q Our insured coats fixtures and then passes them through an oven to bake. A sink fell off the oven conveyor belt…