Water Loss to Boiler I have a businessowners policy covering a building I own. A pipe broke in the building, and the water from it destroyed an unused…

Discusses whether reproduction costs should be covered as extra expense.

Discusses whether employee tips are counted as payroll or something else.

Underground Property Exclusion under Inland Marine Policy Q An insured lost a hammer bar, which is a permanent part of a well digging truck and rig,…

Boiler & Machinery Testing Loss Q Please provide an interpretation of the words "testing" or "tested" as it relates to the boiler and machinery…

Employee Dishonesty—Partners vs. Corporate Formation Q The named insured on an employee dishonesty policy written by us is "Smith & Jones,…

Discusses All American Agency Facilities available coverages for food borne illnesses.

Garagekeepers Maximum Deductible? Q We write a garagekeepers policy with a $500 per vehicle deductible subject to a $2,500 maximum deductible per…

Employee Benefits Liability Endorsement and COBRA Q How does the employee benefits liability endorsement on a CGL policy respond to mistakes an employer…

Businessowners — Does Faulty Design Exclusion Apply? Q We insure a business under a businessowners policy form BP 00 02 12 99. The tenants who…