Sprinkler System Covered under Commercial Property Policy? Q Our insured has ISO commercial property form CP 00 10 10 91 with open perils causes of…

Discusses whether property management fees should be included as a business income expense.

Property Not Covered Includes Phone Cards? Accounts, bills, currency, deeds, food stamps or other evidences of debt, money, notes or securities. are…

Ordinance or Law Coverage—Need for Q We are insuring the owner of a new multistory construction project. Would we have a potential coverage…

Builders Risk—Does Occupancy Equal Completion? Q Our insured had a completed value builders risk policy on a four-townhouse building under construction.…

Leasehold Interest Coverage Q I have an insured who has a lease totally silent on both continuing rents and cancellation of the lease. The leasehold…

Damage to Property Stored away from the Premises Not a Separate Loss Under CP 00 10 the policy provides coverage for all direct loss to property moved…

Fixture Includes Lawn Tent? Q Our insured is a country club with a tent that is used for outdoor events, such as receptions, dances, etc. It has a…

Fire as a Result of Burglary Covered? Q We insure a warehouse with the CP 00 10 04 02. The policy is endorsed with form CP 12 11 10 00, burglary and…

Computer Virus as Vandalism Q Computer equipment belonging to our commercial property insured was recently damaged by the "Monkey B Virus." The equipment…