Analysis of ISO New and Revised Multistate Commercial Liability Umbrella and Excess Endorsements.

ISO is introducing numerous new and revised optional endorsements available to the General Liability program, with a proposed effective date of December 1, 2019. This is an analysis of those endorsements.

Analyzes the new Financial Institution Bond - Banks and Savings Institutions (Aggregate Form) FI 00 60 12 19.

Difference between surface water and water backup from sewers and drains is questioned.

FI 00 60 12 19 ISO Financial Institution Bond - Banks and Savings Institutions (Aggregate Form)

This article offers a general discussion of additional insureds—how they are added to a general liability policy, their relationship to named insureds and insurers, and issues that arise based on that relationship.

Questions if damage from deer is excluded due to the insects, birds, rodents or other animals exclusion.

Discusses the Business Income maximum period of indemnity and monthly period of indemnity options.