Coverage for a fire loss was conditioned on the presence of certain fire protection systems "in complete working order."

A collection of favorite commercial lines questions selected by the editors for 2023.

Damage to mismatched tiles and when can an appraisal be filed.

When a roof is damaged by wind, hail or some other covered loss, it's not unusual for worn decking to be discovered when the roof is removed for repairs. That worn decking also needs to be repaired. The question then becomes does the wear and tear exclusion apply, or should the repair to the decking be considered part of the roof claim? This article reviews the issue and how it should be handled.

CP 00 90 07 88 Commercial Property Conditions form.

CP 00 60 06 95 Leasehold Interest Coverage Form commercial property endorsement.

This document provides a detailed analysis of the Extra Expense Coverage Form, as contrased with Business Income Coverage.

When working with a Builders Risk form, are fences covered?

ALE benefits are set to expire on the 2-year anniversary of the fire.

The ISO Power, Heat and Refrigeration Deduction endorsement CP 15 11 can be added to the Business Income (and Extra Expense) Coverage form and the Business Income (Withour Extra Expense) Coverage Form. It removes the costs of power, heat or refrigeration from the coverage.