April 2012 Dec Page Article of the Month   There are special provisions and mandatory forms that individual states require when homeowners policies…

A question of coverage for mold damage to stored vehicle when wear and tear exclusion is applied.

Boiler & Machinery Survey March 2012 Checklist for Boiler & Machinery Exposures An agent should always consider the possible need for boiler…

Physical Evidence Requirement The insured sought a declaratory judgment that its insurer owed it $141,640 as reimbursement for lost inventory consisting…

Definition of Business March 5, 2012 The insured is a retired music teacher who charges $10 a lesson for thirty minutes of her time. The insured said…

Riggers Liability Coverage Form—Archived Article October 2008 Summary: Rigging contractors, commonly known as "riggers," who lift, set in place,…

Homeowners Form HO 00 08—Archived ArticleJanuary, 2001Repair Cost or Actual Cash ValueSummary: For many insureds the…

UM Coverage for Off-Road Vehicle   The insured sought uninsured motorists (UM) coverage after being injured while using an ATV on a trail. The…

NAMIC Property Casualty ConferenceClaim Arbitration Service January, 1999 Arbitration of Disputes InvolvingAutomobiles and Livestock Summary:…

Personal Umbrella Liability Insurance March 1, 2012 Coverage Checklist Personal umbrella liability policies share a common goal of providing higher…