This article reviews pertinent court cases surrounding the doctrines of concurrent causation and proximate cause.

Ordinary Payroll Limitation Described March 12, 2012 In the typical ISO business income form under ordinary payroll limitation it states in part, "Ordinary…

Unintentional Error or Omission Provisions of Property Policies   May 21, 2012   Summary: A provision of some independently-filed and manuscript…

Wind or Hail Percentage Deductible Calculations May 14, 2012 Our insured has commercial property coverage for three buildings at one location in Florida…

Coinsurance An Explanation for Insureds Summary: Those who work inside the insurance industry often have difficulty understanding and explaining…

Wrap-Up Plans April 25, 2012 Combines Liability, Other Coverages, for Construction Projects Summary: The term "wrap-up" has become increasingly…

Vandalism, Sprinkler Leakage, and Radioactive Contamination April 25, 2012 Commercial Property Coverage Summary: Coverage for…

Tropical storm combined with equipment breakdown.

Protective Safeguards Endorsement and Multiple Buildings April 9, 2012 Our insured has an ISO commercial property program (CP 00 10, CP 00 90, and CP…

Value Reporting Form and Value of Covered Property April 9, 2012 In the ISO CP 13 10, Value Reporting Form, the full reporting section contains these…