Circular Tracker 9-2-2025

A summary of the ISO Circular for September 2, 2025. Circulars provide a wide variety of information from form changes to rules, loss costs, experience reviews and other information.

CG 40 10 12 19 Exclusion - Cross Suits Liability

CG 22 37 10 93 Exclusion - Products and Professional Services (Optical and Hearing Aid Establishments)

CG 22 37 10 93 Exclusion - Products and Professional Services (Optical and Hearing Aid Establishments), October 1993 Edition

FP 04 04 04 16 Dwelling and Farm Building Replacement Cost Protection

FP 04 04 04 16 Dwelling and Farm Building Replacement Cost Protection, April 2016 Edition

Property Damage Meaning Discussed

Property Damage Meaning Discussed   March 9, 2015   The insured brought an action against its insurer due to the insurer's refusal to defend…

Riots and Loss of Business Income

Discusses business income loss triggered by riots and civil disturbances, and when coverage would apply.

PP 05 53 11 92 Extraordinary Medical Benefits Coverage - Pennsylvania

PP 05 53 11 92 Extraordinary Medical Benefits Coverage - Pennsylvania, November 1992 Edition

December 2009 Intro Page

December 2009 Intro Page No. 967 December 1, 2009 Dec Page   The question of the month in the Dec Page deals with one of the ways to manage risk…

Closing Costs as Part of Replacement Cost

Closing Costs as Part of Replacement Cost   January 5, 2015   Our insured has a standard HO-3 policy. They suffered a total loss of their…

Sex, Fighting, and Medical Issues in Space: A Risk Management Issue

This article looks at some liability issues associated with long term space tourism flights, such as in-flight sex, infighting, and extreme medical emergencies, from a risk management perspective.