Discusses and analyzes mandatory ISO cyber incident exclusions applicable to commercial property coverages, with a proposed effective date of 12/1/2020.

A perfect storm converged on this insured who was in the process of building renovations when COVID-19 hit, and while shutdown a theft occurred. Was his building vacant?

Discusses business income loss triggered by riots and civil disturbances, and when coverage would apply.

Building and Personal Property Coverage Form, October 2012 edition. The basic commercial property form.

Effective 4/1/2020, ISO has introduced a new multistate program designed for micro-businesses, so named for their size eligibility of 0-4 employees and maximum annual sales of $500,000. Here we will discuss the eligibility criteria and provide an overview of the new product.

Discusses the Debris Removal Coverage under the ISO Causes of Loss Special Form and related optional endorsements.

Residence Premises Definition Endorsements Reviewed 4/17/2020  Summary: ISO has developed several new endorsements for the homeowners program that…