This question reveals the importance of properly classifying a risk based on its entire operations.

Effective 4/1/2020, ISO has introduced a new multistate program designed for micro-businesses, so named for their size eligibility of 0-4 employees and maximum annual sales of $500,000. Here we will discuss the eligibility criteria and provide an overview of the new product.

Insured has a policy covering viruses for specified causes of loss and questions if the civil authority coverage will also apply.

The 8th Circuit determined that the faulty workmanship exclusion did not apply, despite the occurrence of faulty workmanship on the roof panels in question.

This chart identifies recommended steps to take in order to help prevent and cope with the spread of a potential pandemic virus.

BOP COVID Advisory Notice BP P 026 03 20. Advisory notice to policyholders advising of virus exclusion and how covered causes of loss, business interruption, civil authority and other coverages do or do not provide coverage.

Immediate ISO information for insurers writing Businessessowners and/or Commercial Property insurance in the state of New York. Includes required information to be sent to the New York Department of Financial Services (DFS) in relation to business interruption coverages, including civil authority, and contingent business interruption.

Discusses business income loss when some of the months of the period of restoration had loss but others did not.

Discusses the effects of humidity over time and how it affects coverage under the policy.