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…

Rare Articles Coverage Includes Coins? Q I am insuring a merchant on BOP Form BP 00 02 01 96 who had some rare coins stolen. Under optional coverage…

Employee Dishonesty Coverage and Discovery Period Q Our insured business owner received a phone call from a customer stating he had been double-billed.…

Replacement CostProvision in the 1996 BOP Q I'm adjusting a claim that is covered by an ISO businessowners policy form BP 00 02 01 96. The Loss Payment…

Garage Policy and Applicable Deductible We write a commercial garage policy for a motorcycle dealership. The insured has comprehensive physical damage…

Garage Operations and Completed Operations Claim Our insured is a business dedicated to the installation of radio, alarms, and similar electronic equipment…

Indemnity Versus Pay-on-Behalf of Language In reading umbrella policies, we have found two differing versions of the insuring agreement. One states…