Our insured owns an apartment complex. One building suffered an electrical fire at approximately 9:00 A.M. The fire caused enough smoke and electrical…

General Liability Coverage at Designated Premises CG 21 44, limitation of coverage to designated premises or projects, is an endorsement to the CGL…

Learned Intermediary Doctrine and the CGL Form Q We are preparing a risk management program for a potential client, a manufacturer of medical devices.…

Builders Risk—Value of theBuilding on the Completion Date Q The builders risk coverage form (CP 00 20 04 02) has what amounts to a 100 percent…

Wind Loss and Golf Course Restoration Q Recently a heavy wind came through a local golf course and took down a 150 year old, seventy-five foot tree.…

Deductible Endorsement Pertains to Damages In the ISO deductible endorsement, CG 03 00 01 96, what is intended to be included within the deductible?…

Exhibitions and Off-Premises Loss Q I have a commercial property client covered under the CP 00 10 04 02 policy who had a 24' box trailer stolen off…

Glass Loss Deductible Application Q How is the deductible applied to a glass loss that is covered under a special causes of loss form in the ISO commercial…

Completed Operations Claim Due to Installation of Refrigerator Our insured was hired by the claimant to install a mini-refrigerator and freezer unit;…

Latent Defect Exclusion Q Our insured's walls were painted red years ago. Some time thereafter, the walls were papered. Recently, our insured had…