Coinsurance Clause and Additional Coverages under Commercial Property Policy

For a commercial property policy, do the coinsurance requirements applied to building, business personal property, and business income coverage affect the amount of recovery for the additional coverages such as pollutant clean-up or ordinance and law?

Texas Subscriber

The separate limits of insurance that apply to additional coverages are not affected by the coinsurance clause–they are separate from the policy limit to which the coinsurance requirements apply.

This premium content is locked for FC&S Coverage Interpretation Subscribers

Enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.

  • Quality content from industry experts with over 60 years insurance experience, combined
  • Customizable alerts of changes in relevant policies and trends
  • Search and navigate Q&As to find answers to your specific questions
  • Filter by article, discussion, analysis and more to find the exact information you’re looking for
  • Continually updated to bring you the latest reports, trending topics, and coverage analysis