Property Not Covered Includes Phone Cards? Accounts, bills, currency, deeds, food stamps or other evidences of debt, money, notes or securities. are…

Officers and Directors Insureds under CGL Form? Q We insure a club with a commercial general liability policy. One board member often is on club premises…

Glass Damage and the CGL Form Q Our insured is a window cleaner. One of his friendly competitors had a claim involving scratched windows which the…

Coverage Territory under CGL Form Does a location have to be listed on the declarations page of a commercial package policy in order for the general…

Ordinance or Law Coverage—Need for Q We are insuring the owner of a new multistory construction project. Would we have a potential coverage…

Builders Risk—Does Occupancy Equal Completion? Q Our insured had a completed value builders risk policy on a four-townhouse building under construction.…

Leasehold Interest Coverage Q I have an insured who has a lease totally silent on both continuing rents and cancellation of the lease. The leasehold…

Carpet Cleaning Damage Covered? Our insured was hired to clean carpeting. While moving the furniture back into place, the bed snagged the carpeting…

Certificates of Insurance and Conflicting Policy Language Q We have a question about certificates of insurance. Our insured was named as an additional…

Damage to Property Stored away from the Premises Not a Separate Loss Under CP 00 10 the policy provides coverage for all direct loss to property moved…