Snowplow as Equipment under Business Auto Policy Q If an insured has a business auto policy and owns a truck that can be equipped with a snowplow,…

Property in Transit — Theft of Entire Bale or Case Q We insure a furnace contractor under form CP 10 30. While off premises at a job site, the…

Family Member and Coverage under Trucker Form Q We have a circumstance where the child of an employee was killed in an accident while a passenger…

Property Damage Claim Based on Loss of Use Our insured is a plumber who is certified to install and annually inspect a backflow prevention device; this…

Restaurant Cooking Hood Not Business Personal Property The insured is a restaurant. They rent space to run their business. When they rented the space,…

Builders Risk—Coverage for Existing Structure? Q We are an adjusting company. Our client is insured under a standard builders risk form. The…

Pollution Claim and Mobile Equipment Our insured was hired by the claimant to replace the entire roof on the claimant's house. The insured brought equipment…

Beating a Result of Riot or Civil Commotion? We have a commercial fire policy on a rental unit with named perils coverage that includes riot or civil…

Sinkhole Collapse — Demolition Expense Q Our insured is the owner of a large commercial office building insured under commercial property form…

During replacement of the roof water enters and damages the interior of the building.