Circular Tracker 9-11-2025

A summary of the ISO Circular for September 11, 2025. Circulars provide a wide variety of information from form changes to rules, loss costs, experience reviews and other information.

Leased Premises Rented to You

Leased Premises Rented to You April 1, 2014 The insured leases about 1/3 of a large metal building that is separated from the rest of the building…

Bed Bug Laws for Hotels-Archive

This chart presents statutes for hotels addressing the presence of bedbugs and other insects.

Insurer Insolvency Does Not Require Drop Down Coverage

A Louisiana court of appeals ruled that a commercial umbrella liability policy did not "drop down" to provide coverage when the primary insurer was…

CG 20 18 12 19 Additional Insured - Mortgagee, Assignee or Receiver

MT Hawley XLP101 (09-98) Policy Summary Comparison Worksheet

Mt. Hawley Insurance Company Form XLP 101, September 1998 Edition

Collapse or Cracking Caused by Pile Driving as a Covered Claim

Collapse or Cracking Caused by Pile Driving as a Covered Claim   July 8, 2013   Our insured is adding an addition to his building, which will…

Racing Activities Covered under Personal Auto Policy?

Racing Activities Covered under Personal Auto Policy? One of our insureds takes his street model automobile to the local racetrack on weekends to engage…

Homeowner Found 'Contributorily Negligent' for Not Reading His Policy

This case discusses breach, bad faith, negligence, and contributory negligence relating to a homeowners coverage dispute over whether Coverage A or Coverage B applies to property damage.

CA 99 38 01 87 Split Liability Limits - Garages

CA 99 38 01 87 Split Liability Limits - Garages, January 1987 Edition