Reporting Form Endorsement— No Penalty in Spite of Underreporting Q Our insured suffered a loss under ISO's building and personal property form…

Tree causes downed power lines and resulting low voltage, damaging property. Is this covered?

Fragile Articles Coverage under Commercial Property Policy Q One of our insureds had a customer's marble slab resting on a bunker. The bunker collapsed,…

Guiding Principles Not Binding on Insured? The Guiding Principles are not binding on insurers although many have voluntarily agreed to abide by the…

Volunteer Workers Coverage Q We have questions that were put to us by a not for profit educational organization, and are unsure how to answer. This…

Fixtures Include Modular Office System? Q We have a commercial property client with a CP 00 10 04 02 policy who suffered a loss due to Hurricane Hortense.…

Fire Department Charges Covered by Auto Policy? Some municipalities automatically send out the fire department to an auto accident scene even though…

Damage to Property due to Service of Search Warrant Does the Dwelling Property 3 cover damage to the dwelling by police serving a search warrant on…

Condominium Gutting Excluded as an Act or Decision? We have several insureds, insured on standard condominium unit-owners policies, who resided in a…

Motorized Vehicles and Mini-bikes We use an AAIS Homeowner and Farmowner form 2 (2.0). The definition of a motorized vehicle is a self-propelled land…