Wear and Tear Exclusion Q Our insured was operating an insured tractor and the wiring harness from the ignition to the engine was rubbing against…

Mural Not a Sign My question is in regard to the unendorsed CP 00 10 04 02. Signs are not defined in the form. In your experience, are murals painted…

Collapse Loss or Wet Rot Loss? Q A church we insure recently suffered a collapse loss. The roof collapsed due to rotten timbers, and blew out two…

Our insured owns an apartment complex. We have replacement cost coverage on the commercial property policy with the special causes of loss form attached. Recently…

Completed Operations Coverage Under CGL Form? Q Our agency insures many bus companies, all of which are insured under ISO commercial general liability…

Percent Deductible Application under Commercial Property Policy Our insured owns a strip mall, consisting of several buildings, in Florida . Both Hurricanes…

Colleges or Schools Endorsement Affects General Liability Coverage Our insured is a school and the school has a gym. The school rents the gym to several…

Liquor Liability Exclusion Applies to Gift? If an executive officer buys a bottle of liquor and gives it to a staff member or other employee as a gift,…

Our insured owns an apartment complex. One building suffered an electrical fire at approximately 9:00 A.M. The fire caused enough smoke and electrical…

Deductible Endorsement Pertains to Damages In the ISO deductible endorsement, CG 03 00 01 96, what is intended to be included within the deductible?…