Mechanical Breakdown and Wear and Tear Exclusion—Not Applicable
Mechanical Breakdown and Wear and Tear Exclusion—Not Applicable We insure a commercial building and its business personal property on the commercial…
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Care, Custody, and Control Exclusion and Tenant's Property
Care Custody and Control— Tenant's Property Q We would appreciate your comments on the following question concerning coverage under the commercial…
Read Full ArticleEmployee Benefits Liability Endorsement and COBRA
Employee Benefits Liability Endorsement and COBRA Q How does the employee benefits liability endorsement on a CGL policy respond to mistakes an employer…
Read Full ArticleBusinessowners—Does Faulty Design Exclusion Apply?
Businessowners — Does Faulty Design Exclusion Apply? Q We insure a business under a businessowners policy form BP 00 02 12 99. The tenants who…
Read Full ArticleLegal Liability Coverage for a Lessee?
Legal Liability Coverage for a Lessee? We have an insured who has signed a lease that makes him responsible only for the roof. I interpret the damage…
Read Full ArticleProperty Temporarily Off-Premises
Property Temporarily Off-Premises October 12, 2015 My question concerns the definition of "temporarily" as used in the business personal property off-premises…
Read Full ArticleCondominium Endorsement and Coverage for Water Loss
Condominium Endorsement and Coverage for Water Loss February 23, 2015 We have several owned, but rented out condominium units insured…
Read Full ArticleWatercraft: Loading or Unloading Coverage Gap Under the CGL Form
Loading or Unloading Coverage Gap Under the CGL Form Q It has come to our attention that many of our clients may have less coverage than they think…
Read Full ArticlePower Surge and the BOP Form
Power Surge and the BOP Form Q I write an account on an ISO BOP coverage form, BP 00 02 12 99, with attached endorsement BP 04 56 01 97, utility services…
Read Full ArticleOrdinary Payroll Limitation Described
Ordinary Payroll Limitation Described March 12, 2012 In the typical ISO business income form under ordinary payroll limitation it states in part, "Ordinary…
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