Questions & Answers

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July 24, 2008

When police use tear gas, is that a pollutant?

Mortgagee Subject to Policy Provisions If the insured is in violation of the policy's coinsurance clause and his loss settlement is being reduced as…

July 24, 2008

Care, Custody, or Control Exclusion and Borrowed Vehicle Our insured borrowed a bobcat to remove snow from his parking lot. He ran the bobcat for nine…

Is there coverage when an employee damages property in the process of cleaning an office?

Our insured had converted an old warehouse into a 200-unit condominium complex. Fire in the building caused the sprinklers to go off, and the building…

Replacement Building Covered by Commercial Property Form? Q An insured whose building was heavily damaged by fire has found another suitable structure…

July 24, 2008

Is a drain on the roof the same as a drain on the ground?

Care Custody and Control— Tenant's Property Q We would appreciate your comments on the following question concerning coverage under the commercial…

July 24, 2008

Discusses contracting expenses as covered extra expense for a tanning salon.

Governmental Authority Exclusion—Property Damaged by Police Chasing Fugitive Q The insured is a health clinic covered under the commercial property…