Loading and Unloading Issue Our insured received a delivery and sent two employees out to unload the vehicle; this vehicle is not owned by or rented…

Impaired Property Exclusion and Possible Future Losses The insured's plastic buckles were incorporated into swimming suits manufactured by a customer.…

Pollutant Definition under CGL Form Q The pollution exclusion on the commercial general liability (CGL) coverage form can be very extensive, partly…

Garagekeepers Maximum Deductible? Q We write a garagekeepers policy with a $500 per vehicle deductible subject to a $2,500 maximum deductible per…

Boiler and Machinery—Lightning Damage to Freezer—Coverage for Food under Consequential Loss Endorsement? Q Our insured suffered a lightning…

Irrigation System and Steam Boiler Policy We have an insured with a company-specific steam boiler policy. The insured has coverage for direct damage…

Garagekeepers Coverage for a Stolen Auto Q Our insured is covered by a garagekeepers policy. He was conducting a state inspection on a car, performing…

Boiler and Machinery Form—Accident Defined Q Our insured is a food processor who uses an extruder to process meat for sale. The metal tub that…

Boiler Leak—No Coverage If Caused by Deterioration Q An insured suffered a loss as a result of corroded and worn tubes in the insured boiler.…

Garagekeepers Coverage—Repossessed Vehicle Q Our insured is an auto repair facility that performed work on an auto and then released the car…