Q&A

Coverage Q&A: It may be difficult to establish coverage for property damage that occurs in the aftermath of — and not as a direct result of — a natural disaster.

Coverage Q&A: Most policies distinguish between a leased automobile and an owned automobile when determining coverage.

Coverage Q&A: The purpose of extra expense coverage is to minimize the suspension of the business and continue operations.

Coverage Q&A: Most homeowners' policies will not cover damage that is not 'sudden and accidental.'

Coverage Q&A: Many claims result in a mess. The details of that mess dictate which (if any) insurance policies will cover the clean up.

Coverage Q&A: Specific costs are covered after a business sustains damage from fire, hail, wind and the like.

Coverage Q&A: An insurer's mortgage obligation during foreclosure is the value of a property loss limited to the homeowner's insurable interest.

Expanding into Excess & Surplus lines can be a smart move for independent agents and brokers, if they do it correctly.