Gazebo Covered as Outdoor Fixture   Our insured—a church covered under a CP 00 10 04 02—has a gazebo that existed on the property grounds…

Power Surge Claim August 6, 2012 Insured had a laser machine inspected, and the error messages that appeared stated it was damaged by a power surge.…

Utility Services Direct Damage and Time Element Losses and Coverages   July 16, 2012   Summary: This article discusses the nature and…

Does loss of membership dues fall under accounts receivable for a nonprofit organization?

Discusses whether business income coverage applies to loss of rental space that was closed as a result of asbestos.

Spoilage Loss Coverage Requires Mechanical Breakdown July 11, 2012 My client experienced a partial roof collapse. As a result, the local authorities…

Explosion Coverage July 9, 2012   Background   Summary: A standard feature of property insurance forms is the coverage for "direct physical…

Discusses the earth movement exclusion in both commercial and personal lines policies.

Return of Unearned Premium June 25, 2012 My question is related to return of unearned premium following payment of policy limits after a total loss.…

Blanket Coverage Discussed—Archived Article 2 September 2005 Advantages and Disadvantages Summary: There are two basic methods of insuring commercial…