Crossed Wires Caused Artificially Generated Electrical Current Our insured was changing a light bulb in an old fixture and the wires crossed, causing…

Understanding the cause of loss and coverage when the insured wasn't present to know what happened.

Discusses costs for additional employee pay when business was not suspended.

Awning Could Be Considered Outdoor Sign I have a client who has an attached outdoor awning over her store front. It has the store's name on it and was…

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…

Pollution Clean-Up Q A mercury-vapor light fixture above a swimming pool in our insured's building exploded, releasing material into the pool which…

Limited Liability Company Status as the InsuredA new insured is a limited liability company. The insured has the following risk exposures: commercial…

Inventory Valuation after Fire Loss Q Our insured suffered an inventory fire loss. We disagree with the insurer about how to calculate the actual…

Reporting Form Endorsement— No Penalty in Spite of Underreporting Q Our insured suffered a loss under ISO's building and personal property form…

Fixtures and Additions as Building or Contents? Q I am involved in a loss where the landlord supplied movable partitions, which are hard wired into…