Property in Transit — Theft of Entire Bale or Case Q We insure a furnace contractor under form CP 10 30. While off premises at a job site, the…

Family Member and Coverage under Trucker Form Q We have a circumstance where the child of an employee was killed in an accident while a passenger…

Property Damage Claim Based on Loss of Use Our insured is a plumber who is certified to install and annually inspect a backflow prevention device; this…

Restaurant Cooking Hood Not Business Personal Property The insured is a restaurant. They rent space to run their business. When they rented the space,…

Drive Other Car Coverage Subject to a Deductible? Our insured has a business auto policy with endorsement CA 99 10, drive other car coverage, attached.…

Care, Custody, or Control Exclusion Prevents Coverage for Trailer Damage Our insured was using a nonowned trailer. His employee dropped the trailer…

Builders Risk—Coverage for Existing Structure? Q We are an adjusting company. Our client is insured under a standard builders risk form. The…

Nonowned Auto or Hired Auto Liability? Q One of our nonprofit clients let us know that they are paying mileage to members of the nonprofit for the…

Pollution Claim and Mobile Equipment Our insured was hired by the claimant to replace the entire roof on the claimant's house. The insured brought equipment…

Beating a Result of Riot or Civil Commotion? We have a commercial fire policy on a rental unit with named perils coverage that includes riot or civil…