A Changing Concept   Summary: The term "actual cash value" is used in most property forms as well as inland marine forms and auto physical…

Discusses expenses used to supply water and utilize a generator at a golf course as covered extra expenses.

Football Injury constitutes Accidental Injury   A professional football player filed a workers comp claim requesting temporary partial disability…

October 2012 Dec Page   For this month and subsequent months, the Dec Page will offer an article by Don Malecki, a contributing editor, on the…

Plumbing and HVAC ContractorsSeptember 2012ISO Market Segments ProgramSummary: The Insurance Services Office (ISO) has developed…

Twin Condominiums September 10, 2012 We are more and more often being asked to insure twindominiums which, loosely defined, are a two-family home where…

Discusses frozen pipes, and the vacancy provision in a building held for rent.

Limited Liability Company as an Insured September 12, 2012 This applies to general liability, auto, and umbrella liability. In the Section II - Who…

Typical equipment breakdown policies describe covered equipment as electrical or mechanical equipment that utilizes or generates energy. Examples of…

Vehicle Requiring Diesel Fuel Damaged by Regular Fuel Fill-up Insured loaned the insured vehicle to a friend.  The friend was pumping fuel and…