What Constitues "a Short Time"?
What Constitutes “a Short Time”? In definition 4 of "coverage territory" on the CG 00 01 12 04, part c. (2) indicates that coverage…
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ATV as Customer's Auto
ATV as Customer’s Auto May 5, 2014 CA 00 05 03 10 defines "customer's auto" as follows: a land motor vehicle,trailer or semitrailer lawfully within…
Read Full ArticleMed Pay Question Regarding Injured Claimant
Med Pay Question Regarding Injured Claimant Does the medical payments coverage under the CGL form apply to someone who faints and falls to the floor…
Read Full ArticleAll Named Insureds Not Required to Sign Proof of Loss
All Named Insureds Not Required to Sign Proof of Loss June 6, 2011 Can an insurer reject a proof of loss because it is signed by one, but not all, named…
Read Full ArticleMobile Equipment Exclusion Applicable to 4 Wheeler Rally?
Mobile Equipment Exclusion Applicable to 4-Wheeler Rally? Our insured is the chamber of commerce for a small rural community. The insured is sponsoring…
Read Full ArticleCovered Property under Businessowners Form
Covered Property under Businessowners Form June 2, 2015 My question is specific to the Businessowners form, BP 00 10 97. Under covered property, the…
Read Full ArticleCare, Custody, or Control Exclusion Prevents Coverage for Trailer Damage
Care, Custody, or Control Exclusion Prevents Coverage for Trailer Damage Our insured was using a nonowned trailer. His employee dropped the trailer…
Read Full ArticleCompleted Operations as Defined
Completed Operations as Defined June 6, 2016 The insured was hired by the claimant to trim four trees in the side yard in front of the claimant's house.…
Read Full ArticleVacancy Provision and Water Loss
Vacancy Provision and Water Loss July 1, 2016 The company insures a vacant building. The building contains a sprinkler system that is not dry. During…
Read Full ArticlePersonal Injury Coverage Gap
Personal Injury Coverage Gap Q It has come to our attention that there may be a distinct problem with the definition of "personal injury" under the…
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