August 2008 Dec Page Question of the Month   Reinsurance is an integral part of the property/casualty insurance industry, but its principles may…

Med Pay Coverage for Cost to Test Customers For Possible Exposure to Hepatitis A? An insured's employee has Hepatitis A. The County Health Board has…

Loss of Use as Property Damage Q We insure an electrical company that was hired to do work in a vacant apartment of a large apartment building. The…

Mobile Equipment Coverage away from Insured Premises? This question concerns the use of mobile equipment, specifically a golf cart. The golf cart was…

Mobile Equipment Under the CGL Form   Our insured is a road builder. He uses a water truck in his work to dampen the terrain to keep the dust…

Is there coverage when an employee damages property in the process of cleaning an office?

Property Not Covered Includes Phone Cards? Accounts, bills, currency, deeds, food stamps or other evidences of debt, money, notes or securities. are…

Officers and Directors Insureds under CGL Form? Q We insure a club with a commercial general liability policy. One board member often is on club premises…

Glass Damage and the CGL Form Q Our insured is a window cleaner. One of his friendly competitors had a claim involving scratched windows which the…

Coverage Territory under CGL Form Does a location have to be listed on the declarations page of a commercial package policy in order for the general…