Coverage forms: CP 00 10 (10/12), CP 00 20 (10/12) and CP 10 10 (10/12) – Basic Form

Facts of Loss: The commercial business building of the insured sustained damage during a shooting. The building is vacant. The insured was not the intended target of the shooting but rather other persons unknown to the insured on the outside of the building.

The named peril of vandalism is questioned to trigger coverage in that the building was not the target to create damage, but rather a person or persons on the outside to cause injury or death. The damage to the building is incidental to that intent.

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