Property Management Fees a Part of Covered Loss Q I am a public adjuster and many of my clients are represented by property management firms that…

Water Damage Not Caused by Drain Overflow Excessive rain from thunderstorms caused interior water damage to a building through the roof. The building…

Definitions in CGL Form Affect Coverage Our insured is being sued along with the health insurance provider by a hospital because the health insurance…

Other Insurance Clauseand Excess Coverage Q Our insured operates a computer repair shop, and regularly has the property of his customers in his care,…

Surface Water Overflow Not Covered My insured has an endorsement for back up of sewer or drain water damage. The endorsement reads "The following additional…

Discusses the term financial interest in the Businessowners policy.

Removal of debris that fell into hole.

"Leased Employee" Defined Q Recently in our office we were discussing the businessowners liability coverage form, that states "employee" includes…

The difference between preparing to do work for a customer and actually doing the work. Preparation is not part of "your work".

Discusses two different claims with two different outcomes for ice damming and frozen pipes.