Mechanical Breakdown Exclusionand Inland Marine Form Q A company we insure was hired to remove the top of a water tower with a crane. The top was…

Transit Policy Covers Goods Sold but Not Delivered? Q Until recently, our insured had been shipping goods to their customer for more than twenty years…

Employee Dishonesty Coverageand Third Parties Q We insure a moving and storage company that wants to bond its employees for theft of merchandise from…

Contractor's Profit Where the Insured Performs Repair Q I insure a company that owns a dry dock that was damaged when a boat tipped onto it. The dry…

Replacement Cost — Reconditioned Property? Q Our insured has a businessowners policy, ISO special form BP 00 02 06 89. In August lightning destroyed…

Towing Means Use under Farm Policy? Q We insure a farmer on form FP 00 10 09 94. Included in this policy is coverage E, Scheduled Farm Personal Property.…

Water Damage Exclusion—Proximate Causation Q Our insured is covered under the businessowners special form, BP 00 02 12 99. One evening, several…

Fragile Articles Exclusion under BOP Q We request your opinion regarding a claim that has arisen under a businessowners package policy issued with…

Theft by Employee — What Constitutes Proof? Q My client has a business covered by a standard commercial crime policy. The policy includes coverage…

Computer Equipment Includes Telephone System? Q Our insured suffered a covered loss to its computerized telephone system with damages totaling more…