Circular Tracker 9-22-2025
A summary of the ISO Circular for September 22, 2025. Circulars provide a wide variety of information from form changes to rules, loss costs, experience reviews and other information.
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Personal Auto Carrier's 'Other Insurance' Clause Is Not Unlawful Subrogation
This case discusses whether an insurer's "Other Insurance" clause constitutes unlawful subrogation.
Read Full ArticleIt's Contractor Fraud Season
Briefly describes roof fraud.
Read Full ArticleCondominium Gutting Excluded as an Act or Decision?
Condominium Gutting Excluded as an Act or Decision? We have several insureds, insured on standard condominium unit-owners policies, who resided in a…
Read Full ArticleLimited Partnerships Under a CGL Form--Insured Status of Partners
Limited Partnerships Under a CGL Form Q One of our clients has questioned us on who is an insured under the CGL form with reference to limited partnerships.…
Read Full ArticleEmployee Theft and Forgery Policy—Archived Article
Employee Theft and Forgery Policy—Archived Article July, 2000 Discovery and Loss Sustained Forms Summary: The employee theft and forgery…
Read Full ArticleAttorney Fees are Not Part of Insured Damages, Massachusetts Supreme Court Says
At primary issue was the clause providing liability coverage, which states that Vermont Mutual will pay those sums that the insured becomes legally obligated to pay as "damages because of bodily injury."
Read Full ArticleDeductible Calculation
Deductible Calculation November 22, 2011 In a settlement for contents with no replacement cost coverage so the contents will be settled at ACV only…
Read Full ArticleIncreased Water Bill and Commercial Property Policy
Increased Water Bill and Commercial Property Policy April 17, 2017 Our insured recently got a water bill that was thousands of dollars. When he called…
Read Full ArticleWater Line Coverage and Homeowners Insurance
Is the cost to dig up a water line in the yard between a home and the water meter covered by a homeowners policy?
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