Collapse — Defective Materials or Methods Q A basement wall collapsed as a subcontractor, hired by my general contractor client, was back-filling.…

Collapse of Ceiling Covered? The acoustical ceiling in our church kitchen collapsed. The building is insured on a CP 00 10 with CP 10 30 attached. As…

Bailees Coverage for Off-Premises Goods Q Our insured owns a commercial laundry business, but has no on-premises dry cleaning service. To accommodate…

Inventory Loss Exclusion and Missing Property Q Recently I submitted a claim for an insured that operates a hospital. He carries insurance for his…

Computer Data Loss Covered by BOP? Q Our client, a tenant insured by form BP 00 02 12 99, had a loss to his computer hard drive and data, and also…

Commingling of Funds by Brokers Q In reviewing the material, we see that some states allow agents to commingle agency and company monies; and others…

Who Is Responsible for Builders Risk Deductibles?   Currently, we have a requirement that the municipality I represent be a named insured on builders'…

When policy limit is to be paid out for business income loss, when should that payment be made?

Discusses whether employee tips are counted as payroll or something else.

Explains coverage when damage is to property insured under a separate policy; does damage to that property still trigger business income coverage?