Who Is Responsible for Builders Risk Deductibles?   Currently, we have a requirement that the municipality I represent be a named insured on builders'…

Who Is Responsible for Builders Risk Deductibles? Currently, we have a requirement that the municipality I represent be a named insured on builders'…

Food Spoliation Is a Consequential Loss Our insured butcher suffered a spoilage loss due to a recent windstorm that caused the store to loose full power…

Barn Not Personal Property under Building and Personal Property Coverage Form Under the CP 00 10 04 02, coverage A 1. covered property, a (4), is an…

Crossed Wires Caused Artificially Generated Electrical Current Our insured was changing a light bulb in an old fixture and the wires crossed, causing…

Understanding the cause of loss and coverage when the insured wasn't present to know what happened.

Discusses costs for additional employee pay when business was not suspended.

Awning Could Be Considered Outdoor Sign I have a client who has an attached outdoor awning over her store front. It has the store's name on it and was…

Property in Transit — Theft of Entire Bale or Case Q We insure a furnace contractor under form CP 10 30. While off premises at a job site, the…

Pollution Clean-Up Q A mercury-vapor light fixture above a swimming pool in our insured's building exploded, releasing material into the pool which…