Fire Legal Liability under the CGL Form Our insured employs medical personnel on a temporary traveling basis; that is, if a nurse or other medical professional…

Overhead Transmission Lines Definition Q Our insured has purchased coverage for off-premises power failure, which includes coverage for losses caused…

Co-employee Exclusion Under CGL Form Q I handle the insurance for a construction company that is negotiating a construction contract with a landowner.…

Completed Operations Liability — Coverage Territory Limits Q What are the territorial limitations in a commercial general liability (CGL) coverage…

Air Conditioning Unit Not Classified as an Appliance My insured has CP 00 10 04 02 and CP 10 30 04 02 coverage forms applicable with replacement cost…

Debris Removal Coverageand Coinsurance Provision Q I’m adjusting a loss on a property that is insured on an ISO commercial property form CP…

Reimbursement for Expenses to Prevent Further Loss Q We insure a nursing home on a CP 00 10 04 02 with CP 10 30 04 02 attached. Recently, it was hit…

Damage to Your Work Exclusion and Subcontractor Exception Our insured, a general contractor, engages subcontractors to build homes. The HVAC subcontractor…

EIFS Application and Resulting Water Damage Our insured is a subcontractor. He installed the stucco on a newly constructed home using the exterior insulation…

Boiler Damage — Condition or Event Inside? Q Our insured, covered on the commercial property policy CP 10 30 10 90, suffered the following loss.…