Insurance Coverage Q&A: Which Provisions Rule?

Will endorsement provisions regarding scheduled property override the flood exclusion on the policy?

Insurance Coverage Q&A: Water Backup and ALE

When the water backup endorsement is added to a policy, does the limit affect any other coverages?

Judge Declines to Dismiss Suit from McDonald's Against Insurer

The suit was filed in October 2020 after three employees contracted the virus or exhibited symptoms of the virus.

Who Is Responsible for Builders Risk Deductibles?

Who Is Responsible for Builders Risk Deductibles? Currently, we have a requirement that the municipality I represent be a named insured on builders'…

CG 24 51 06 15 Limited Coverage for Designated Unmanned Aircraft (Coverage A Only)

CG 24 51 06 15 Limited Coverage for Designated Unmanned Aircraft (Coverage A Only), June 2015 Edition

Diminution in Value not Covered by Personal Auto Policy

In Blakely v. State Farm Mut. Ins. Co., 406 F.3d 747 (5th Cir. 2005), the court ruled that an auto insurer was not liable for paying diminished post-repair…

Odor as a Physical Damage Loss

Odor as a Physical Damage Loss Our insured has a business auto policy. He mistakenly left a vacuum sealed frozen chicken in the vehicle for approximately…

Circular Tracker 6-13-2025

A summary of the ISO Circular for June 13, 2025. Circulars provide a wide variety of information from form changes to rules, loss costs, experience reviews and other information.

Owner of Roofing Company Failed to Report Any Employees

A California roofer has been found guilty of underreporting payroll and failing to pay workers' compensation premiums.

CG 34 11 12 19 Exclusion - Employees and Volunteer Workers As Insureds