Fungi or Bacteria Coverage Question Our insured is a pest control business. Endorsement CG 24 25, limited fungi or bacteria coverage, is attached to…

April 2011 Intro Page   Dec Page   The question of the month deals with exclusions found on homeowners policies that pertain to activities…

Residence Premises Defined? One of our homeowners insureds (on an HO 00 03 10 00) was in a nursing home for nearly five years prior to her death. Her…

Actual Cash Value or Replacement Cost on Farm Outbuilding? Our farmowners client is covered on a American Association of Insurance Services (AAIS)…

Discusses acid rain as a covered loss under comprehensive coverage.

Boatowners—Marine Life Exclusion We have a boatowners insured. The policy insuring the boat is not an ISO form, but we hope you can help us in…

Are Injuries to Family Pet Covered? Our insured visited a relative, whose dog laid under our insured's truck, in the shade. When the insured left, he…

Auto as Defined on the PAP Our insured has a personal auto policy. He needs to rent a U-Haul truck for the weekend for nonbusiness use. The personal…

Causal Relationship in an Auto Accident Our insured rear-ended another vehicle that was towing a trailer. There was minimal damage, but our insured's…

Timely Notice and Presumption of Prejudice   Indiana Insurance sought a rehearing of the Indiana Supreme Court's opinion in a previous case. In…