Latent Defect Exclusion
Latent Defect Exclusion Q Our insured's walls were painted red years ago. Some time thereafter, the walls were papered. Recently, our insured had…
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Fire or Smoke as Cause of Loss
Fire or Smoke as Cause of Loss October 19, 2009 Our insured has a CP 00 10 04 02 and the special causes of loss form, CP 10 30 04 02.He is a doctor…
Read Full ArticleDeductible—What Is an Event?
Deductible—What is "an Event"? Q Our question regards the application of the "per event" deductible under the following loss scenario. The insurance…
Read Full ArticleDeductible and Hail Damage Loss
Deductible and Hail Damage Loss We insure a building with a CP 00 10 Building and Personal Property Form and CP 10 30 Cause of Loss form. In 2004 the…
Read Full ArticleEmployer Liability and HMOs
Employer Liability and HMOs Q Our insured chose a particular HMO for his employees health benefits program. When they are injured or are sick, the…
Read Full ArticlePollution Liability and Product Damage
Pollution Liability and Product Damage November 15, 2010 The insured sold a container with bleach to customer. While the customer was transporting the…
Read Full ArticleRemediation Costs for Gutting Building
Remediation Costs for Gutting Building Our client carries building and personal property coverage under a CP 00 10 form with an endorsement for ordinance…
Read Full ArticleNesting and Infestation Exclusion
Nesting and Infestation Exclusion July 1, 2013 Woodpeckers are pecking at the insured's outdoor electrical components, which are located in a…
Read Full ArticleCDW Considered as Consequential Damages
CDW Considered as Consequential Damages March 4, 2014 Our insured driver is insured under a BAP and had an at fault motor vehicle accident in which…
Read Full ArticleBuilders Risk Pro Rata Cancellation Question
Builders Risk Pro Rata Cancellation Question September 2, 2014 If a construction contractor renews a builders risk policy for one year but then completes…
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