Governmental Authority Exclusion—Property Damaged by Police Chasing Fugitive Q The insured is a health clinic covered under the commercial property…

Discusses a low property limit and expensive extra expense coverage for both a permanent and temporary location following a loss.

Improvements and Betterments—Coverage Dependent on Term of Lease? Q Our insured had lightning damage occur to a central air conditioning unit…

Market Share Theory and Defective Products Q My client is a pharmaceutical laboratory and has purchased products liability coverage. The lab believes…

Deductible Subrogation Question Q Our insureds sustained a large fire loss to their restaurant approximately six years ago. The insurer paid close…

Cross Liability, Additional Insureds,and the Separation of Insureds Q We have a question about cross liability, additional insureds, and the separation…

Contractual Liability Coverage and the Meaning of "Execution" Q We have a question dealing with the contractual liability coverage offered under a…

Employee an Insured Under CGL Form? Q Our insured is a high rise residential condominium association and is covered by a commercial general liability…

Our commercial property insured is a condominium complex. When we applied for the policy, we requested a blanket limit on the buildings of $1.3 million.…

Loss of Use Exposure under CGL Form? Q There is a gray area in terms of property in the care, custody, or control of a commercial general liability…