Trailer Coverage under BAP In the opinion of FC&S, and in consideration of the form CA 00 01 10 01, business auto coverage form, does provision…

Employee Dishonesty and Overpayment of Wages April 14, 2011 The form is BP 00 03 01 06. Our insured had an employee who was adding time to her time…

Functional Replacement Cost Insurance and Property Coverage April 14, 2011 We have a large commercial claim in which the insurance carrier has put a…

Coverage when the water table overwhelms the sump pump.

Digital Images Destroyed by Fire April 4, 2011 I have a total loss fire being handled under an all risk policy. A portion of the claim is for $3,755…

Fungi or Bacteria Coverage Question Our insured is a pest control business. Endorsement CG 24 25, limited fungi or bacteria coverage, is attached to…

Actual Cash Value or Replacement Cost on Farm Outbuilding? Our farmowners client is covered on a American Association of Insurance Services (AAIS)…

Transfer of Rights of Recovery March 21, 2011 In the BAP, CA 00 01, under the Transfer of Rights of Recovery Against Others to Us clause, who is the…

This article discusses how insurance is handled in Canada.

Discusses a loss at one of multiple locations, and whether the locations being on the same or different policies makes a difference.