Computer Virus as a Vandalism Loss? Q Our client's computer was vandalized by installation of the Michelangelo virus that destroyed all his data on…

Water Damage and Boarded-Up Windows Q Our insured's building is covered by an ISO commercial property policy, CP 00 10 04 02, with the special causes…

Sharks Teeth Considered Fine Arts I am handling a burglary claim where our insured is claiming over $300,000 in stolen sharks teeth. He has a Jimmy…

Claims-Made Policies — on the Way Out? Q I have a question about the claims-made liability coverage forms. I always thought that a claims-made…

Employer's Liability and the CGL Form Q Our agency insures a motel management company that handles the operations of motels for the owners. In this…

Food Poisoning Claims and the BOP Q The definition of products/completed operations hazard on the 1997 ISO BOP liability form (BP 00 06 01 97) differs…

Governmental Authority Exclusion—Property Damaged by Police Chasing Fugitive Q The insured is a health clinic covered under the commercial property…

Discusses a low property limit and expensive extra expense coverage for both a permanent and temporary location following a loss.

Improvements and Betterments—Coverage Dependent on Term of Lease? Q Our insured had lightning damage occur to a central air conditioning unit…

Market Share Theory and Defective Products Q My client is a pharmaceutical laboratory and has purchased products liability coverage. The lab believes…