April 2012 Intro Page   Dec Page   The article of the month deals with the special provisions and mandatory forms that individual states require…

Other Arbitration Agreements March 12, 2012 Specialized Programs   Summary: These pages are a continuation of the discussion of arbitration agreements…

Common CommercialBurglar Alarm Systems March 12, 2012 A Guide Summary: For those unaccustomed to dealing with crime forms on a regular basis the information…

April 2012 Dec Page Article of the Month   There are special provisions and mandatory forms that individual states require when homeowners policies…

A question of coverage for mold damage to stored vehicle when wear and tear exclusion is applied.

Boiler & Machinery Survey March 2012 Checklist for Boiler & Machinery Exposures An agent should always consider the possible need for boiler…

Physical Evidence Requirement The insured sought a declaratory judgment that its insurer owed it $141,640 as reimbursement for lost inventory consisting…

Definition of Business March 5, 2012 The insured is a retired music teacher who charges $10 a lesson for thirty minutes of her time. The insured said…

Riggers Liability Coverage Form—Archived Article October 2008 Summary: Rigging contractors, commonly known as "riggers," who lift, set in place,…

Homeowners Form HO 00 08—Archived ArticleJanuary, 2001Repair Cost or Actual Cash ValueSummary: For many insureds the…