Emerging Risks


July 11, 2018

I see that the HO-3 appears to cover volcanic eruption, but not land tremors, earthquake etc. associated with the eruption. Is the coverage limited…

July 11, 2018

At the request of the California Department of Insurance, AAIS has developed a BOP policy for the cannabis industry. It has been filed in California but…

July 11, 2018

My question concerns the liquor liability exposure for a number of both profit and nonprofit social organizations with fully stocked and operated bar operations. …

July 11, 2018

We have a claim where the client has an HO-3 policy, but had turned it into a rental property 2 years ago. The insured used to live in the home, which…

July 11, 2018

We have a situation on a property claim that we filed on behalf of the mortgage company on a fire claim; the carrier paid $89,000. But they mailed it to…

July 11, 2018

Cause of loss form is Special CP 10 30 10/12. Insured carries $250,000 of contents coverage only. Insured carries a Commercial Property Enhancement Endorsement,…

July 11, 2018

Coverage is provided under a CP 00 10 1091, Basic cause of loss form. Loss date is December 30, 2017 and loss reported on February 20, 2018. Loss notice…

July 11, 2018

Does the 5% Debris Removal Additional Coverage in a homeowners policy require that the amount of the 5% be actually spent in order for the entire 5% amount…

July 11, 2018

With the NFIP due to expire in September, and the past history of flood catastrophes and hurricanes, there is more and more interest in the private market…

July 11, 2018

Includes copyrighted material of Insurance Services Office, Inc., with its permission.Summary: Miscellaneous professional liability is sometimes called…