May 2012 Intro Page   Dec Page:   The article of the month deals with business income coverage. Insurance protection for loss of business…

Questions whether the HO 00 03 provides coverage for loss due to fracking, or if there is an endorsement that would provide coverage.

Subcontractor Versus Material Supplier   The insured contractor sued its liability insurer, seeking a defense against a project owner's claims.…

Flood Coverage and Insurable Interest April 9, 2012 My agency wrote businessowners coverage for two separate LLCs and an individual on 1/29/09. The…

Commercial Inland Marine Coverage and Tree Removal April 9, 2012 This question concerns a commercial inland marine form. The insured's employee was…

Protective Safeguards Endorsement and Multiple Buildings April 9, 2012 Our insured has an ISO commercial property program (CP 00 10, CP 00 90, and CP…

Value Reporting Form and Value of Covered Property April 9, 2012 In the ISO CP 13 10, Value Reporting Form, the full reporting section contains these…

Dealers Drive Away Collision Coverage April 9, 2012 Regarding the Garage Coverage Part, exclusion 4c, Physical Damage coverage, there is a 50 mile limitation…

Road Rage Actions not Within Business Conduct   Bryant, an owner and employee of Prime Cut Meat Market, assaulted another motorist in an apparent…

Misrepresentation and Policy Voidance   The insureds, whose garage was destroyed by fire, filed an action against the insurer for breach of contract…