Who Is Responsible for Builders Risk Deductibles?   Currently, we have a requirement that the municipality I represent be a named insured on builders'…

Who Is Responsible for Builders Risk Deductibles? Currently, we have a requirement that the municipality I represent be a named insured on builders'…

Awning on Camper Damaged by Windstorm Our insured has a camper/trailer covered under a business auto policy. This camper/trailer has an awning attached…

Barn Not Personal Property under Building and Personal Property Coverage Form Under the CP 00 10 04 02, coverage A 1. covered property, a (4), is an…

Deductible not Applicable to Transportation Expenses Under the standard business auto policy, transportation expenses of up to $20 per day is allowed…

Collectible Coins and Special Limits Our insured was the victim of a burglary from his residence. Among the items stolen were a collection of coins.…

Special Limits and Fine Arts Regarding the HO 3, please confirm there are no Special Limits of Liability under Contents for Fine Arts, artwork, etc…

Crossed Wires Caused Artificially Generated Electrical Current Our insured was changing a light bulb in an old fixture and the wires crossed, causing…

Refrigerator with an Odor We had an insured who had their refrigerator stop running while they were on vacation for a week. When they returned it was…

Medications Considered to be Personal Property? Would you consider personal medication part of personal property coverage? West Virginia Subscriber…