Briefcase an Item of Business Property? One of our homeowners insureds was on a business trip recently when his $400 briefcase was stolen from his hotel…

Artillery Fungus Damage Our HO-3 insured recently had mulch delivered to his home by a local nursery. After the mulch was spread around his plants,…

Animal Damage Exclusion on Homeowners Policy Our insured's toddler left a plastic bottle of grape juice lying on the wall-to-wall carpet. The family…

Business Personal Property and Theft Coverage under HO Policy We provide coverage to our insured under a homeowner’s policy. Coverage is written…

Bird Droppings and Damage to the Exterior of a Home Our homeowners insured is covered with a standard HO 00 03 04 91. During a recent storm a large…

Business Pursuits—Charitable and Social Boards A question has come up as to whether liability arising from an individual's service without pay as…

Fire Loss Claim under BAP The insured's vehicle was hit by molten metal thrown from a passing train causing the rubber around the windshield to smolder…

Loading or Unloading Issue under BAP and CGL Form Our question is whether a business auto policy or a general liability policy would respond to this…

Collision Loss or Comprehensive Loss under BAP The insured has a 2004 Freightliner grain truck on his business auto policy. The driver went to unload…

12/29/2008                             A…