Actual Cash Value Affected by Sale of Property? Q Our insured owns a hotel which suffered covered water damage when pipes burst. Many of the rooms…

Care, Custody, or Control Exclusion vs. Business Pursuits Exclusion Q Our insured, vice-president of sales for a large company, has an HO 00 03. We…

Auto Physical Damage Coverage on Primary Basis Is there an endorsement to the standard business auto policy (BAP) that will make the employer's BAP…

Business Auto Coverage for Employee's Auto? Our insured owns a van that was parked in a garage on our insured's business premises. An employee of our…

Our insured, an auto dealer, purchased a used vehicle and then sold it. The buyer drove the car for several years, and when he attempted to trade…

Mobile Equipment or Auto Under CGL? Our insured is a road builder. He uses a water truck in his work to dampen the terrain to keep the dust down during…

Mobile Equipment used in Stunting Activity? We insure a non-profit organization that uses miniature vehicles in parades and other promotional activities.…

Occurrence as Defined under CGL Form Q My client is a property manager. A lead paint claim was paid under the client's policy in the amount of $375,000.…

Med Pay for Off-Premises Consumption of Food Medical payments coverage is specifically excluded under the CGL form for food consumed off-premises. How…

Loading or Unloading Coverage Gap Under the CGL Form Q It has come to our attention that many of our clients may have less coverage than they think…