Discusses court cases related to determining if something is a building or structure, and the difference between the two.

In this guest column by board member Bill Wilson, Bill provides an overview of hard markets, looking at hard markets of the past and the current situation.

BP 03 12 01 06 Windstorm Or Hail Percentage Deductibles businessowners endorsement.

BP 05 64 01 15 Conditional Exclusion Of Terrorism (Relating To Disposition Of Federal Terrorism Risk Insurance Act) businessowners endorsement.

BP 05 15 12 20 Disclosure Pursuant To Terrorism Risk Insurance Act businessowners endorsement.

BP 05 13 01 02 War Or Terrorism Exclusion businessowners endorsement.

BP 05 01 07 02 Calculation Of Premium businessowners endorsement.

BP 04 97 01 06 Waiver Of Transfer Of Rights Of Recovery Against Others To Us businessowners endorsement.

BP 04 94 01 06 Limited Pollution Liability Extension businessowners endorsement.

BP 04 93 01 06 Total Pollution Exclusion With A Building Heating Equipment Exception And A Hostile Fire Exception businessowners endorsement.