A summary of the ISO Circular for April 19, 2024. Circulars provide a wide variety of information from form changes to rules, loss costs, experience reviews and other information.

The court was faced with the question of whether two robberies carried out by two seemingly different groups constituted a single occurrence or multiple occurrences.

The data collected provides valuable information to the OIR.

When tenants smoke drugs in rented property, is it considered a production process?

The judges acknowledged the policyholder had had a string of bad luck, but even the worst of luck cannot overcome policy conditions.

This article on the Key Bridge collapse discusses what happened, who is involved from an insurance and liability perspective, and what we know about the exposures and their coverage implications.

The difference between business personal property and personal property of others is addressed.

CP 00 30 10 12 Business Income (and Extra Expense) Coverage Form.

When an insured and tenants help fight the fire, is there coverage for their efforts?

When no repairs were completed.