In this guest column by board member Bill Wilson, Bill provides an overview of hard markets, looking at hard markets of the past and the current situation.

BP 03 12 01 06 Windstorm Or Hail Percentage Deductibles businessowners endorsement.

Power outage, spoilage, and related endorsements.

When the claim for stolen property doesn't ring true.

BP 05 64 01 15 Conditional Exclusion Of Terrorism (Relating To Disposition Of Federal Terrorism Risk Insurance Act) businessowners endorsement.

BP 05 15 12 20 Disclosure Pursuant To Terrorism Risk Insurance Act businessowners endorsement.

BP 05 13 01 02 War Or Terrorism Exclusion businessowners endorsement.

BP 05 12 01 02 Exclusion Of Terrorism (With Limited Exception) And Exclusion Of War And Military Action businessowners endorsement.

BP 05 01 07 02 Calculation Of Premium businessowners endorsement.

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