Business Personal Property Loss and Combination of Policy Limits We have a commercial client who has business personal property in two locations, each…

Care, Custody, or Control Exclusion and BAP Coverage We have a claim under a commercial auto policy involving an insured who parks his commercial vehicle…

Direct Physical Loss and Cosmetic Loss Hail stones have created dents to a copper roof. The section of roofing is located over a second story bay…

Replacement Cost and Purchase of New Dwelling On a Replacement Cost Dwelling Package or Homeowners policy, an insured wants to take an ACV settlement…

Ordinance or Law IssuesBuilding Codes, Insurance Policy Exclusionary Language, and Coverage EndorsementsApril 2007By Diane Richardson, CPCUFC&S…

Mobile Equipment Transportation Causes Damage Our insured was transporting his auger in his pickup truck. The auger gear box came loose (cotter pin…

Voluntary Parting Exclusion Blocks Coverage for Loss of Money We insure a dentist. The potential applicable forms are the CP 00 10 04 02, CP 10 30 04…

Our Option Clause and Loss Settlement My question involves the Section I - Conditions Section of the HO 00 05 10 00 Policy Form, specifically in regard…

Mobile Equipment or Auto as Cause of Damage Our insured runs a tree service that cuts trees and removes them. He has a boom truck that he uses in his…

Mobile Home Unit Could Be Considered Covered Property under CP 00 10 I recently insured a campground and need to know if a mobile home type unit is…