Emerging Risks


Mural Not a Sign My question is in regard to the unendorsed CP 00 10 04 02. Signs are not defined in the form. In your experience, are murals painted…

Credit Card Fraud andCommercial Property Coverage Q Our insured is an electronics dealer, and does considerable business over his Web site. Recently,…

Collapse Loss or Wet Rot Loss? Q A church we insure recently suffered a collapse loss. The roof collapsed due to rotten timbers, and blew out two…

"Glass" in Special Causes of Loss Form Q The Insurance Services Office special causes of loss form (CP 10 30 06 95) covering commercial property contains…

Completed Operations Coverage Under CGL Form? Q Our agency insures many bus companies, all of which are insured under ISO commercial general liability…

Protective Safeguards Endorsement and Mortgagees Q Our company issues mortgages, and we are named as a mortgagee on the insurance policies of these…

July 24, 2008

Liquor Liability Coverage for Catering Clients Our insured has customers that will purchase liquor for private events. The customers do not purchase…

Percent Deductible Application under Commercial Property Policy Our insured owns a strip mall, consisting of several buildings, in Florida . Both Hurricanes…

July 24, 2008

Does Liquor Liability Coverage require an insured to have a license to sell alcohol?

"Damage to Your Product" CGLExclusion and Furnace Installation Q Our insured, an HVAC contractor, installed a furnace in a home. A coil within the…