Updating of Undamaged Septic System September 4, 2013 I have an insured who has suffered covered fire damage to his home. During the course of reconstruction…

Offer to Return Premium not Required as Prerequisite to Policy Rescission   September 3, 2013 The insureds, whose garage was destroyed by fire,…

Failure to Warn Claim Not Covered   August 26, 2013   The insurer filed a declaratory judgment action seeking a declaration that the liability…

BAP Symbol 1—Any Auto Scope of Coverage August 14, 2013   Summary: This is an article written by Don Malecki, consulting FC&S editor,…

Hail Blocking Gutters Not Exception to Commercial Property Limitation August 19, 2013 Our insured carries a CP 10 30, Causes of Loss – Special…

September 2013 Intro Page   Dec Page   The article of the month deals with the issue of a building versus a structure. Property, liability,…

Advertising Injury Claim and Intellectual Property Exclusion   August 19, 2013 The insurer made a motion to dismiss the complaint brought by the…

Tenant’s Policy Coverage When Tenant Dies on the Property August 6, 2013 We have a commercial client who had a tenant die in an apartment. It…

ISO's businessowners program offers property and liability coverage for certain insureds, directed towards "main street" commercial insureds. This article discusses the eligibility requirements, conditions, and common endorsements.

Liability Coverages—AAIS HomeownersPrincipal Liability and Medical Payments Coverages September 2007 Summary: The liability and…