Builders Risk—Coverage for Existing Structure? Q We are an adjusting company. Our client is insured under a standard builders risk form. The…

Nonowned Auto or Hired Auto Liability? Q One of our nonprofit clients let us know that they are paying mileage to members of the nonprofit for the…

Pollution Claim and Mobile Equipment Our insured was hired by the claimant to replace the entire roof on the claimant's house. The insured brought equipment…

Beating a Result of Riot or Civil Commotion? We have a commercial fire policy on a rental unit with named perils coverage that includes riot or civil…

Funeral Directors Liability, Auto Accidents, and Damage to Bodies Our insured is a funeral director and has his business insured under a BOP with endorsement…

Racing or Demolition Exclusion not Applicable to Emergency Vehicles Our insured is involved in a motorsports/race track program. There usually are special…

Sinkhole Collapse — Demolition Expense Q Our insured is the owner of a large commercial office building insured under commercial property form…

Property Damage to Rented Premises The CGL form allows coverage for property damage to premises rented to the named insured for a period of seven or…

Volunteer Workers and the CGL Form Q We have had many inquiries lately regarding the status of volunteers under the CGL form. We would like to have…

Covered Auto Designation Symbol Question If a business owner mistakenly deletes a vehicle during the policy year and later in the year has an accident…