BOP Coverage and Property Damage Exclusions We insure a distributor of metal brushes. The insured mistakenly sent a customer nickel coated brushes instead…

Loss of Value Is Not Direct Physical Damage October 18, 2010 Our insured is an antique dealer with a special businessowners form. He purchased two…

October 13, 2010 Water Damage Claim Excluded by Wear and Tear Exclusion This question concerns coverage on a BP 00 02 12 99. It is a typical water damage…

Damage to Premises Rented to Others Limit of Insurance August 23, 2010 Our insured has a businessowners policy. The policy dec page shows the following…

BOP Coverage for Liability Claim Based on Food Illness July 13, 2010 My question concerns the ISO Businessowners form, BP 00 03 01 06, with attached…

BOP Coverage for Gasoline in Underground Storage Tank July 13, 2010 The ISO Businessowners form describes business personal property as "in or on the…

Business Personal Property as Defined in BOP July 5, 2010 I have a client that has several mounted trophy animals in his office. They are trophies from…

BOP Coverage and Business Income, Extra Expense, and Debris Removal Claims June 14, 2010 Our insured’s building and stocks of merchandise covered…

The United States District Court for New Jersey was faced with a motion for summary judgment pertaining to a dispute over prompt notice. D&O coverage.

Questions if data that had to be replaced due to police confiscation of insured's hard drive is subject to the exclusion for governmental action.