Additional living expenses is broad coverage; however, the premises must be unfit to live in in order for coverage to be available.

When a contractor has removed the snow and left the premises, but someone falls later, who is responsible for the injuries?

This Q&A deals with state required expenses in connection with a covered accident and whether they are covered under the BAP.

Certain legal products require the grower/seller to have a license in order to grow, store and sell the product. Once an individual's license expires, that individual may find themselves in violation of state laws, and may experience serious consequences.

This question came to us in two parts. There was damage to computer systems due to an intentional load reduction by a utility. The first question looked for coverage under equipment breakdown, but then this led to question of where coverage can be found for rolling blackouts. Is there coverage under the utility services interruption endorsement or equipment breakdown; or if not these, then where?

When employees in your business rent vehicles it's important to understand which symbols cover what exposures, unless of course the policy is written with Symbol 1, any auto. This question and answer deals with just such a scenario.

Does a loss to livestock trigger coverage under the Disruption of Farm Operations form?

What happens when monkeys escape from a private home.

Caused by or resulting from in business income coverage - can someone explain the difference?

Discusses coverage when an other structure holding solar panels essential for power to the dwelling doesn't meet the policy definition of building structure, which determines coverage for the damage.