Employee Definition and Interns Under the ISO business auto policy, is an intern for a college or school administration considered an employee of the…

Odor as a Physical Damage Loss Our insured has a business auto policy. He mistakenly left a vacuum sealed frozen chicken in the vehicle for approximately…

BOP Coverage and Property Damage Exclusions We insure a distributor of metal brushes. The insured mistakenly sent a customer nickel coated brushes instead…

HO 23 84 12 10 Mine Subsidence Coverage Endorsement - Kentucky (Schedule), December 2010 edition

Criminal Acts of an Insured Bars Coverage for All Insureds Insurer filed a lawsuit seeking a declaration that it owed no duty to defend or indemnify…

December 2010 Intro Page   Dec Page   The question of the month deals with governmental action. Property coverage forms commonly contain exclusions…

Irrigation System: Plumbing or Not? November 7, 2010 We have an insured with a Masterpiece homeowners policy with Chubb. The insured has an irrigation…

Assumption of Obligation Explained November 8, 2010 Duty C. in Section V. Duties After Loss of the ISO Personal Umbrella Policy reads as follows: "…

December 2010 Dec Page Question of the Month   Property coverage forms commonly contain exclusions for loss caused by governmental destruction,…

Son Living in Other Structure a Member of the Household? November 7, 2010 I have a question on an HO 00 08 04 91. The insured's forty-two-year-old son…