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…

Explain the Reason for Coinsurance to Your Insureds—Archived Article December, 2001 Using This Example Will Make It Easy Summary: It is…

MSO Commercial General Property Form - MCP 010 06 12

Discusses if there is business income coverage available to insured tenant when property owner is required to shut down the business to remove underground storage tanks.

This article reviews pertinent court cases surrounding the doctrines of concurrent causation and proximate cause.

Ordinary Payroll Limitation Described March 12, 2012 In the typical ISO business income form under ordinary payroll limitation it states in part, "Ordinary…

Unintentional Error or Omission Provisions of Property Policies   May 21, 2012   Summary: A provision of some independently-filed and manuscript…

Wind or Hail Percentage Deductible Calculations May 14, 2012 Our insured has commercial property coverage for three buildings at one location in Florida…