The Dec Page offers an article written by Roberta D. Anderson, a partner in the Pittsburgh office of K&L Gates, LLP. The article is about tips that will help in the purchasing of cyber insurance. Ms. Anderson lists five tips and then expands on these points in order to provide practical and useful information for purchasing cyber insurance.

The Dec Page also presents the article of the month—the e-commerce program from ISO. The article discusses the insuring agreements, exclusions, conditions and definitions in the information security protection policy, EC 00 10.

Questions and Answers

If the insured funeral home took the body of the deceased common law spouse without permission of the other spouse, but with permission of the deceased's parents, and then cremated the remains, is this a covered occurrence under the CGL form? See Dispute Over Human Remains. What is the difference between GKLL coverage and CG 22 68? See GKLL Coverage and Endorsement CG 22 68.

If a board member of a home owners association is injured while performing duties on behalf of the association does the CGL form apply to a claim? See Homeowners Association Board Member Injured. Does the insured auto repair shop need GKLL coverage or symbol 30? See GKLL Coverage under Symbol 30. Insured will on occasion transport clients to an appointment. Does the livery conveyance exclusion in the PAP apply? See PAP Coverage and the Livery Conveyance Exclusion.

Owners and Contractors Protective Liability Coverage Form

As additional insured coverage has narrowed over the years, and states have broadened their anti-indemnity statutes to eliminate sole and partial fault assumptions, coverage under the owners and contractors protective (OCP) policy is being viewed in more favorable light despite its disadvantages. The Owners and Contractors Protective Liability Coverage Form article initially provides a broad brush overview of the OCP policy (CG 00 09) and then takes a closer view of the more important provisions of this policy.

Business Income Optional Coverages

Four optional coverages modify the basic provisions of the Insurance Services Office (ISO) Business Income (and Extra Expense) Coverage Form, CP 00 30 10 12 and Business Income (without Extra Expense) Coverage Form, CP 00 32 10 12. The discussion of these optional coverages has been updated. See Business Income Optional Coverages.

Farm Liability Coverage Form

The farm liability coverage form can be combined with a declarations and common policy conditions to create a monoline farm liability form. This article discusses the ISO farm liability coverage form, FL 00 20 10 06. See Farm Liability Coverage.

Farm Personal Exposures

The farm personal exposures form provides coverage for the dwelling, personal property, other structures, and additional living expenses for an insured in event of a loss. This article discusses the ISO farm personal exposures form, FP 00 12. See Farm Personal Exposures.