Mobile Equipment or Business Personal Property? December 10, 2009 Our client, a golf course, has a list of items that are currently thought to be covered…

Care, Custody, or Control Issue under Builders Risk Policy December 10, 2009 We have a question about a builders risk form. The insured is bidding a…

Functional Building Evaluation Endorsement as Applied to Partial Loss December 10, 2009 We have written an old church on a standard ISO form with a…

Vacancy Provision at Center of Coverage Dispute December 10, 2009 Our insured owns and insures several commercial properties that he uses in his business.…

Payment for Antique Knives November 23, 2009 The insured has an HO 04 90 04 91 Personal Property Replacement Cost endorsement. The insured had a collection…

Swine Flu and CGL Coverage November 16, 2009 The publicity regarding swine flu has raised a question in our office. Will the general liability policy…

Earth Movement Caused by Tree Roots Our insured's detached garage has been damaged by a neighbor's tree roots. As you can imagine, this has been going…

Homeowners Exclusion for Loss Caused by Civil Authority We have an insured with an AAIS homeowners form 3. Recently, the police fired tear gas into…

Hot Tub as a Swimming Pool? Our HO 00 03 04 91 insured has a hot tub on his deck that is kept full of water year round. This past winter was mild, but…

Luggage Lost or Stolen? This issue comes up a lot and there is always a difference of opinions. Our Insured flew on a commercial flight and although…