Ordinance or Law Not Applicable to Construction of Parking Lot An insured has a building with no parking. A current ordinance requires buildings to…

Latent Defect Exclusion Q Our insured's walls were painted red years ago. Some time thereafter, the walls were papered. Recently, our insured had…

Deductible—What is "an Event"? Q Our question regards the application of the "per event" deductible under the following loss scenario. The insurance…

What happens when fire damages a building and the rest is ordered to be demolished.

Outdoor Signs Q Pursuant to the commercial property policy, CP 00 10 10 91, building coverage is written to include outdoor fixtures. Signs, other…

Glass Loss Deductible Application Q How is the deductible applied to a glass loss that is covered under a special causes of loss form in the ISO commercial…

Water Loss Repairs Responsibility of Building Owner or Contents Owner? Q Our insured owns a building and recently there was a water loss to various…

Is a contractor error a cause of loss?

Trailer Considered Property Not Covered Our insured allowed their best and largest client to park a semi-trailer on their property. The semi-trailer…

Spoilage Coverage Does Not Provide Additional Limits We have a CP 04 40 06 95, Spoilage Coverage form on a retail business. Fire destroyed the business,…