Emerging Risks


Pollution Claim Covered by Business Auto or CGL Form? Q We have a question about the pollution exclusion in the business auto policy. If, during the…

November 25, 2008

Sinkhole Collapse — Demolition Expense Q Our insured is the owner of a large commercial office building insured under commercial property form…

November 25, 2008

Snowplow as Equipment under Business Auto Policy Q If an insured has a business auto policy and owns a truck that can be equipped with a snowplow,…

Tire Damage Exclusion Q The business auto coverage form has an exclusion that reads 'we will not pay for loss caused by or resulting from any of the…

November 25, 2008

During replacement of the roof water enters and damages the interior of the building.

Physical Damage Coverage — Temporary Substitute Vehicles Q We have a claim in which the insured rented a temporary substitute vehicle while…

November 25, 2008

Property in Transit — Theft of Entire Bale or Case Q We insure a furnace contractor under form CP 10 30. While off premises at a job site, the…

November 25, 2008

Family Member and Coverage under Trucker Form Q We have a circumstance where the child of an employee was killed in an accident while a passenger…

November 25, 2008

Property Damage Claim Based on Loss of Use Our insured is a plumber who is certified to install and annually inspect a backflow prevention device; this…

November 25, 2008

Restaurant Cooking Hood Not Business Personal Property The insured is a restaurant. They rent space to run their business. When they rented the space,…