A question of bats, and whether they fall into the category of birds, vermin or rodents.

Building and Personal Property Coverage Form, June 2007 edition

Newly Acquired or Constructed Property  A Safe Haven for Some but for a Limited Period Summary: It is probably safe to say that most commercial…

Theft of Employee Tools and Care, Custody, or Control Question September 2, 2014 I have a claim involving theft of employee tools and need your opinion.…

Products-Completed Operations Hazard Exception to Pollution Exclusion   August 25, 2014   The insured brought an action against the insurer…

     Limit on Coverage of Loss to Stock   August 25, 2014   On the declarations page of a CP 0010 06 07, Building and Personal…

Common Area Staircase Damaged   September 1, 2014   Our insured has a BOP policy. The insured leased an area in a building in which to run…

September 2014 Intro Page   Dec Page   The article of the month in the Dec Page deals with ensuing losses. These losses are exceptions to…

Discusses whether this loss is a covered occurrence or excluded faulty workmanship.

Premises Alarm or Fire Protection System, December 2002 edition