The article on the Business Income A.1 pages offers information on the history and development of the business income coverage. The article describes the development of the forms and the coverages offered, along with information on blanket coverage. See the designated article in the Bulletins.

The court cases come from Hawaii, Virginia, and Indiana . The Hawaii case concerns a motion filed by the insurer for summary judgment after the insured made a claim under her homeowners policy for payment due to the theft of her marijuana plants. The United States District Court in Hawaii ruled on this issue with an emphasis on the question of insurable interest and state versus federal laws. The Virginia Supreme Court addressed the question of whether a self-insured rental car company may seek indemnification from its renters for damages caused by the renter's negligence once the rental car company has satisfied its obligation to afford primary coverage as required by previous state case law. And, the Indiana Supreme Court offered its view on the definition of “pollutants” in connection with the extent and scope of the pollution exclusion in the general liability policy.

Questions and Answers:

Does an individual, who is a member of a limited liabilty company, have an insurable interest in the LLC's property? See Flood Coverage and Insurable Interest. Is operator error excluded under a commercial inland marine policy? See Commercial Inland Marine Coverage and Tree Removal.

If a property is listed at multiple addresses on the declarations page, is each separate address required to maintain protective safeguards in order for a protective safeguards endorsement to apply? See Protective Safeguards Endorsement and Multiple Buildings .

Installation Coverage Form:

The ISO Installation Coverage Form has been updated in 2011. Changes are highlighted in this article. See Installation Coverage Form.

Computer Systems Coverage Form:

The ISO Computer Systems Coverage Form was recently updated. Changes are highlighted in this article. See Computer Systems Coverage Form.

Introduction, General Rules, and Conditions:

The Introduction, General Rules, and Conditions discussion of the Commercial Inland Marine program has been reviewed and updated. See Introduction General Rules and Conditions.