In this guest column by board member Bill Wilson, Bill provides an overview of hard markets, looking at hard markets of the past and the current situation.

Power outage, spoilage, and related endorsements.

This article that appears in the November Claims Magazine explains the principle of subrogation

The OIR has approved endorsement forms from at least eight property insurers.

It is one of a few states that have a specific matching statute.

They are allowed if certain conditions are met.

Frontline Fellowship failed to show that it had completed repair and replacement or that the actual cash value of the damaged property exceeded the policy deductible at the time of loss.

When and insured uses a generator after a power outage, is that a business income expense?

The ISO CP 00 50 10 12 Extra Expense Coverage Form.

CP 04 40 12 20 Spoilage Form can be added to the Building and Personal Property Coverage Form and the Condominium Commercial Unit-owners Coverage Form.