Your Work Exclusion, Initial Construction, and Subsequent Construction   The homeowners filed a lawsuit against the builder and the builder's commercial…

Insured Contract Coverage under the BAP May 21, 2012 Our insured has a BAP policy with symbol 1 for liability and symbol 8 for physical damage.  An…

Homeowners Coverage for a Home Never Occupied May 21, 2012 The insured's rental property was constructed two years ago, and a certificate of occupancy…

June 2012 Intro Page   Dec Page   It was not long after the introduction of liability coverage on an occurrence basis that the problem over…

Engagement Ring—Purchaser vs. Wearer May 14, 2012 If an insured bought a diamond ring for his son to give to his fiancée, both of whom…

Unintentional Error or Omission Provisions of Property Policies   May 21, 2012   Summary: A provision of some independently-filed and manuscript…

Replacement Cost Claims after Death May 14, 2012 We have a fire claim under the HO 00 06 04 91, Unit Owners Coverage form, with the replacement cost…

Collision of Fine Arts May 3, 2012 The insured has wine goblets and wine glasses scheduled under the HO 04 61 04 91, Scheduled Personal Property Endorsement.…

An explanation and overview of host liquor liability and related issues.

Wind or Hail Percentage Deductible Calculations May 14, 2012 Our insured has commercial property coverage for three buildings at one location in Florida…