Percent Deductible Application under Commercial Property Policy Our insured owns a strip mall, consisting of several buildings, in Florida . Both Hurricanes…

Does Liquor Liability Coverage require an insured to have a license to sell alcohol?

"Damage to Your Product" CGLExclusion and Furnace Installation Q Our insured, an HVAC contractor, installed a furnace in a home. A coil within the…

Questions whether the blanket limit covers both building and business personal property when the Declarations only shows building.

Signs Not Attached to Buildings at Time of Loss Excluded from Coverage Our insured had some signs that were permanently attached to the exterior walls…

Ordinance or Law Not Applicable to Construction of Parking Lot An insured has a building with no parking. A current ordinance requires buildings to…

Outdoor Signs Q Pursuant to the commercial property policy, CP 00 10 10 91, building coverage is written to include outdoor fixtures. Signs, other…

Discusses commercial policy and whether a septic tank can be considered a sewer.

Extremes of Temperature Exclusion Q Our insured coats fixtures and then passes them through an oven to bake. A sink fell off the oven conveyor belt…

First Aid Covered under CGL Form? Q Is there coverage under the standard commercial general liability coverage form if an employee performs first…