Discusses if there is business income coverage available to insured tenant when property owner is required to shut down the business to remove underground storage tanks.

Ordinary Payroll Limitation Described March 12, 2012 In the typical ISO business income form under ordinary payroll limitation it states in part, "Ordinary…

Insured uses a golf cart as major means of transportation; is rental covered in case of loss of cart?

Insured Contract Coverage under the BAP May 21, 2012 Our insured has a BAP policy with symbol 1 for liability and symbol 8 for physical damage.  An…

Homeowners Coverage for a Home Never Occupied May 21, 2012 The insured's rental property was constructed two years ago, and a certificate of occupancy…

Engagement Ring—Purchaser vs. Wearer May 14, 2012 If an insured bought a diamond ring for his son to give to his fiancée, both of whom…

Replacement Cost Claims after Death May 14, 2012 We have a fire claim under the HO 00 06 04 91, Unit Owners Coverage form, with the replacement cost…

Collision of Fine Arts May 3, 2012 The insured has wine goblets and wine glasses scheduled under the HO 04 61 04 91, Scheduled Personal Property Endorsement.…

Wind or Hail Percentage Deductible Calculations May 14, 2012 Our insured has commercial property coverage for three buildings at one location in Florida…

Insured Residence Sold and Carrier not Notified May 14, 2012   We have a risk that we have insured for 9 years which was sold back in May 2010.…