Our insured owns an apartment complex. We have replacement cost coverage on the commercial property policy with the special causes of loss form attached. Recently…

How insurable interest affects ability to add mortgagee for business income coverage.

Completed Operations Liability — Coverage Territory Limits Q What are the territorial limitations in a commercial general liability (CGL) coverage…

Air Conditioning Unit Not Classified as an Appliance My insured has CP 00 10 04 02 and CP 10 30 04 02 coverage forms applicable with replacement cost…

Anthrax Testing and Insurance Coverage Q Our client received a sealed container from abroad and when it was opened a huge puff of white powder blew…

Debris Removal Coverageand Coinsurance Provision Q I’m adjusting a loss on a property that is insured on an ISO commercial property form CP…

Reimbursement for Expenses to Prevent Further Loss Q We insure a nursing home on a CP 00 10 04 02 with CP 10 30 04 02 attached. Recently, it was hit…

Damage to Your Work Exclusion and Subcontractor Exception Our insured, a general contractor, engages subcontractors to build homes. The HVAC subcontractor…

EIFS Application and Resulting Water Damage Our insured is a subcontractor. He installed the stucco on a newly constructed home using the exterior insulation…

Employee Lawsuit Covered by CGL Form or WC Policy? Q An employee of our insured was injured on the job and received workers compensation benefits.…