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…

Failure to Comply with Duties under Policy We have run into a situation in which an insured has failed to respond to our attempts at contact in order…

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

Voluntary Payment by Insured Leads to Denial of Coverage We insure a company under a standard Businessowners Liability policy. Our insured was hired…

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…

Risk Identification-Archived Article August 2005 Risks must be identified before they can be properly treated. As obvious as that may sound, it is not…

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.…

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

Understanding the cause of loss and coverage when the insured wasn't present to know what happened.

Maryland court holds that absolute pollution exclusion does not bar the duty to defend since it can be interpreted as ambiguous and meant to apply only to environmental pollution.