Discusses whether reproduction costs should be covered as extra expense.

Underground Property Exclusion under Inland Marine Policy Q An insured lost a hammer bar, which is a permanent part of a well digging truck and rig,…

Garage Operations Include Restaurant and Office Buildings? Q We insure a new car dealer on a garage policy. This insured owns several office buildings…

Replacement Cost Defined Our insured has a businessowners policy, ISO special form BP 00 02 12 99. In August, lightning destroyed the computerized phone…

Discusses whether employee tips are counted as payroll or something else.

When policy limit is to be paid out for business income loss, when should that payment be made?

Employee Benefits Liability Endorsement and COBRA Q How does the employee benefits liability endorsement on a CGL policy respond to mistakes an employer…

Water Loss From Swimming Pool Covered by BOP? Q We insure a local country club on a businessowners policy (BOP) with special causes of loss. Recently,…

Discusses business income expense of valuable papers and records.

Boiler and Machinery Form—Accident Defined Q Our insured is a food processor who uses an extruder to process meat for sale. The metal tub that…