Water Exclusion Clause—Archived Article December 2004 In Property Insurance Forms Summary: A standard feature of property insurance forms…

Miscellaneous ProfessionalLiability Coverages October 2009 Special Coverage Forms Summary: A discussion of miscellaneous professional liability…

Embezzlement and the Homeowners Policy Our insured is one of those people who lost money in the Madoff scheme. Is there any coverage for the insured's…

Duties in the Event of Loss Expense in Question A contractor sealed off an area where underhanging roof tiles were blown away by a windstorm and birds…

Business Personal Property Loss and Combination of Policy Limits We have a commercial client who has business personal property in two locations, each…

Care, Custody, or Control Exclusion and BAP Coverage We have a claim under a commercial auto policy involving an insured who parks his commercial vehicle…

Direct Physical Loss and Cosmetic Loss Hail stones have created dents to a copper roof. The section of roofing is located over a second story bay…

Replacement Cost and Purchase of New Dwelling On a Replacement Cost Dwelling Package or Homeowners policy, an insured wants to take an ACV settlement…

Ordinance or Law IssuesBuilding Codes, Insurance Policy Exclusionary Language, and Coverage EndorsementsApril 2007By Diane Richardson, CPCUFC&S…

Mobile Equipment Transportation Causes Damage Our insured was transporting his auger in his pickup truck. The auger gear box came loose (cotter pin…