Golf Carts as Mobile Equipment A client of ours owns large apartment complexes in Florida. The insured owns golf carts which are used primarily…

Concurrent Causation under Commercial Property Form Q The question we pose involves the commercial property policy's exclusion 3.b., wherein losses…

Sole Proprietor Is Named Insured under CGL Policy A woman who is the sole proprietor of a cleaning business broke artwork she was cleaning in a client's…

The insured is a package/shipping store. The store was hired to ship two items via UPS. The insured packaged the items and then shipped the items by…

Reimbursement for Expenses to Prevent Further Loss Q We insure a nursing home on a CP 00 10 04 02 with CP 10 30 04 02 attached. Recently, it was hit…

Discusses how the Ordinance or Law Coverage Endorsement, CP 04 05 10 90, responds to the Americans with Disabilities Act (ADA)

First Aid Covered under CGL Form? Q Is there coverage under the standard commercial general liability coverage form if an employee performs first…

Discusses whether property management fees should be included as a business income expense.

In Transit Coverage for Plumber's Tools? Q Our insured plumber's van was broken into and tools usually carried therein were taken, valued at more…

Discusses whether the earth movement exclusion applies to damage caused by pile driving.