Damage Caused by an Insured? A part-time residence employee, while edging a yard, flipped a stone up that broke the window of his own pickup. We think…

Collapse During Construction—Vehicle Peril as Cause of Collapse Our insured is building a new home and we're using a HO-3 as a form of builders…

The following exclusions apply to: 1. all property covered under this form. c. Extremes of temperature or dampness of atmosphere. We do not pay…

Builder's contractual liability does not pass to homeowner.

Contributory Coverage for Bodily Injury to an Insured? Our insured has a standard homeowners policy. Last fall he and his daughter, age six, were in…

Discusses ash cleanup for dwelling and personal property.

Valuable Articles Coverage for the Loss of Wine We insure a wine collection under a valuable articles policy. It is an all risk policy, offering coverage…

Wind Damage to Personal Auto Our insured has both collision and other than collision coverage on his auto. The facts of the incident are that the insured…

Uninsured Motorists Coverage for Employer-Furnished Auto We have a client for whom we have placed personal auto insurance with uninsured motorists coverage.…

Towing of Vehicle Covered under the PAP? Our personal auto policy (PAP) insured borrowed a friend's car to drive, which broke down. He then used his…