Contract Analysis


For Insuring Motorcycles, Motor Homes, ATVs, Golf Carts, and Similar Vehicles

January 08, 2024
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This discusses and analyzes several new and revised ISO endorsements addressing such exposures as silent cyber, electronic data loss, and data privacy issues, endorsements to be effective January 1, 2024.

January 01, 2024
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This discusses and analyzes several new and revised ISO endorsements addressing such exposures as silent cyber, electronic data loss, and data privacy issues, endorsements to be effective January 1, 2024.

December 21, 2023
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Introducing ISO's endorsement BP 15 91 which excludes perfluoroalkyl or polyfluoroalkyl substances (PFAS) from the businessowners policy, including an analysis of the endorsement.

This discussion analyzes the various endorsements available to provide some type of drive other car coverage under the commercial auto policies.

December 04, 2023

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.

November 30, 2023
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This is an analysis of the policy conditions included within and applicable to the ISO business auto coverage form

November 27, 2023

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

Summary: There are a multitude of ISO commercial auto endorsements, and year by year, the list keeps growing. Rather than attempt a discussion of all…