Completed Operations Claim Due to Installation of Refrigerator Our insured was hired by the claimant to install a mini-refrigerator and freezer unit;…

Latent Defect Exclusion Q Our insured's walls were painted red years ago. Some time thereafter, the walls were papered. Recently, our insured had…

Deductible—What is "an Event"? Q Our question regards the application of the "per event" deductible under the following loss scenario. The insurance…

Deductible and Hail Damage Loss We insure a building with a CP 00 10 Building and Personal Property Form and CP 10 30 Cause of Loss form. In 2004 the…

Employer Liability and HMOs Q Our insured chose a particular HMO for his employees health benefits program. When they are injured or are sick, the…

Remediation Costs for Gutting Building Our client carries building and personal property coverage under a CP 00 10 form with an endorsement for ordinance…

CGL Coverage for Alleged Theft by Employee   We issued a CSP policy to The Housekeepers. It appears an employee took items from two homes, but…

Concurrent Causation under Commercial Property Form Q The question we pose involves the commercial property policy's exclusion 3.b., wherein losses…

Water Loss Repairs Responsibility of Building Owner or Contents Owner? Q Our insured owns a building and recently there was a water loss to various…

In Transit Coverage for Plumber's Tools? Q Our insured plumber's van was broken into and tools usually carried therein were taken, valued at more…