Deductible—What is "an Event"? Q Our question regards the application of the "per event" deductible under the following loss scenario. The insurance…

Deductible and Hail Damage Loss We insure a building with a CP 00 10 Building and Personal Property Form and CP 10 30 Cause of Loss form. In 2004 the…

Employer Liability and HMOs Q Our insured chose a particular HMO for his employees health benefits program. When they are injured or are sick, the…

Sprinkler System Covered under Commercial Property Policy? Q Our insured has ISO commercial property form CP 00 10 10 91 with open perils causes of…

Remediation Costs for Gutting Building Our client carries building and personal property coverage under a CP 00 10 form with an endorsement for ordinance…

Animal Chewing Not a Result of InfestationWe  have a commercial property claim where the property management company for a housing subdivision…

Discusses whether property management fees should be included as a business income expense.

Mobile Equipment Definition Includes Lunch Wagon? Q We have a question concerning the definition of "mobile equipment" as it appears on the commercial…

Damage to Property Exclusion Applicable to Loss? Our insured was hired to lay carpet in a customer's home. As the insured and his two employees were…

CGL Coverage for Alleged Theft by Employee   We issued a CSP policy to The Housekeepers. It appears an employee took items from two homes, but…