Introduction and analysis of ISO Commercial Auto endorsement addressing hacking expense coverage.

With coverage forms, exclusion endorsements, and exclusions with specified exceptions, it can sometimes be difficult to determine where and if coverage applies in a given claims situation. Thus is the case here.

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There seems to be no end to the confusion from insureds, agents, claims adjusters, and even some carriers, over application of the loss assessment coverage. This article undertakes to provide understanding using various scenaries to explain the coverage.

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