Debris Removal Coverage and Coinsurance Provision
Debris Removal Coverageand Coinsurance Provision Q I’m adjusting a loss on a property that is insured on an ISO commercial property form CP…
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Reimbursement for Expenses to Prevent Further Loss
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…
Read Full ArticleTheft by Employee—What Constitutes Proof?
Theft by Employee — What Constitutes Proof? Q My client has a business covered by a standard commercial crime policy. The policy includes coverage…
Read Full ArticleProperty Damage Issue under CGL Form
Property Damage Issue under CGL Form Our insured is a rental equipment company. In this particular claim, it rented out an electricity generator that…
Read Full ArticleComputer Data Loss Covered by BOP?
Computer Data Loss Covered by BOP? Q Our client, a tenant insured by form BP 00 02 12 99, had a loss to his computer hard drive and data, and also…
Read Full ArticleDamage to Your Work Exclusion and Subcontractor Exception
Damage to Your Work Exclusion and Subcontractor Exception Our insured, a general contractor, engages subcontractors to build homes. The HVAC subcontractor…
Read Full ArticleProperty Damage Liability Coverage Dispute
Property Damage Liability Coverage Dispute Our insured is in the tree service and stump grinding business. After completing a stump grinding job, the…
Read Full ArticleEIFS Application and Resulting Water Damage
EIFS Application and Resulting Water Damage Our insured is a subcontractor. He installed the stucco on a newly constructed home using the exterior insulation…
Read Full ArticleComputer Equipment Includes Telephone System?
Computer Equipment Includes Telephone System? Q Our insured suffered a covered loss to its computerized telephone system with damages totaling more…
Read Full ArticleTemperature Change Endorsement Allows Coverage for Loss of Inventory
Temperature Change Endorsement Allows Coverage for Loss of Inventory October 10, 2011 Our insured did not suffer direct physical damage from wind or…
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