Ordinance or Law Not Applicable to Construction of Parking Lot An insured has a building with no parking. A current ordinance requires buildings to…

Outdoor Signs Q Pursuant to the commercial property policy, CP 00 10 10 91, building coverage is written to include outdoor fixtures. Signs, other…

Discusses commercial policy and whether a septic tank can be considered a sewer.

Extremes of Temperature Exclusion Q Our insured coats fixtures and then passes them through an oven to bake. A sink fell off the oven conveyor belt…

First Aid Covered under CGL Form? Q Is there coverage under the standard commercial general liability coverage form if an employee performs first…

Colleges or Schools Endorsement Affects General Liability Coverage Our insured is a school and the school has a gym. The school rents the gym to several…

Loading of Truck Causes Claims Conflict Between BAP and CGL Forms Q Our insured is a real estate developer and general contractor. He hired an independent…

Renovation Is Not an Act of Vandalism A building owner discovered that a tenant, who had a lease agreement for two units, renovated the rental space…

Liquor Liability Exclusion Applies to Gift? If an executive officer buys a bottle of liquor and gives it to a staff member or other employee as a gift,…

Installation Floater—Damage Coverage? Q Our client, a heating and air conditioning contractor, keeps heating units in his shop that he takes…