Business Risk Doctrine and the CGL Form
Business Risk Doctrine and the CGL Form Q Our insured is a contractor and we have tried to explain to him the coverages and exclusions that appear…
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Business Personal Property Loss and Combination of Policy Limits
Business Personal Property Loss and Combination of Policy Limits We have a commercial client who has business personal property in two locations, each…
Read Full ArticleWater Damage Covered due to Insured's Mistake?
Water Damage Covered due to Insured's Mistake? A customer of an insured car dealership received a recall notice from the manufacturer and took the notice…
Read Full ArticleReplacement Cost Less Than ACV
Replacement Cost Less Than ACV Our insured owned a building that was destroyed by fire. The building was insured on an ISO form CP 00 10 10 90. The…
Read Full Article"Your Product" Defined
“Your Product” Defined September 1, 2014 Our agency insures a plumbing concern in Michigan. They installed a new sump pump that was faulty…
Read Full ArticleInland Marine Undeground Property Exclusion
Underground Property Exclusion under Inland Marine Policy Q An insured lost a hammer bar, which is a permanent part of a well digging truck and rig,…
Read Full ArticleTelevision Damaged During Testing
Television Damaged during Testing September 2, 2014 I have an insured (subcontractor) who has set up a number of electronics to test the system as part…
Read Full ArticleDebris Removal under Commercial Property Form
Debris Removal under Commercial Property Form Q We would like your opinion concerning coverage for debris removal under form CP 00 10 04 02. Our insured…
Read Full ArticleProperty Damage Defined
Property Damage Defined January 22, 2018 A policyholder has an ISO HO-3. The carrier has utilized the defined phrase of "property damage"…
Read Full ArticleWind or Hail Percentage Deductible Calculations
Wind or Hail Percentage Deductible Calculations May 14, 2012 Our insured has commercial property coverage for three buildings at one location in Florida…
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