Emerging Risks


Loss of Use Part of Property Damage Claim Our insured is a contractor who was hired to do some road work for a municipality. While grading an area near…

Impaired Property Exclusion and Possible Future Losses The insured's plastic buckles were incorporated into swimming suits manufactured by a customer.…

November 14, 2008

Our insured is a contractor and two of its employees got into a fight at the job site; the foreman broke up the fight and fired both employees. Then,…

November 14, 2008

Care, Custody, or Control Exclusion and Truck Damage Q We insure a company that has symbol 1, any auto, on its business auto policy (BAP). This insured…

Water Damage Covered due to Insured's Mistake? A customer of an insured car dealership received a recall notice from the manufacturer and took the notice…

November 14, 2008

When an officer of the company loans lawnmowers and four-wheelers to the company, where is coverage found?

Collision Between Two Owned Autos Our insured, who has a commercial auto policy using symbol 7 (specifically described autos), rear ended his wife's…

Pollution Clean Up under BAP Our insured is a long haul trucker insured under the business auto policy (BAP) with a truckers endorsement and a broadened…

Coverage Territory Dispute under BAP We would like your opinion about the following issue. We have an insured that purchased a vehicle in California…

Truckers Coverage and Leased Vehicles Our insured has coverage for specifically described vehicles and hired autos under his truckers coverage form.…