Keep Full Agreements and the CGL Form Q Our insured is in the business of retail fuel oil supply. He sells the fuel oil and also delivers it to the…

Surface Water Overflow Not Covered My insured has an endorsement for back up of sewer or drain water damage. The endorsement reads "The following additional…

Stolen Credit Card Transaction is Uninsurable Business Risk Our insured is a merchant with commercial crime coverage under CR 00 20 07 02, Commercial…

Water Damage Exclusion — Ice Damage Q We have a commercial property insured under the CP 00 10 04 02 policy with special causes of loss form…

Ordinance or Law Coverageon a Commercial Policy Q We insure a church on a commercial property policy (CP 00 10 04 02). Endorsed to that policy is…

Employers Liability Exclusion - How Does It Apply? Q To capsulize the facts, a seven months' pregnant woman was struck by a patient while working…

Crops Include Pumpkins under Property Form We have an insured who had a large number of pumpkins bought from farmers to sell during a fall festival.…

Debris Removal under Commercial Property Form Q We would like your opinion concerning coverage for debris removal under form CP 00 10 04 02. Our insured…

"Leased Employee" Defined Q Recently in our office we were discussing the businessowners liability coverage form, that states "employee" includes…

Debris Removal—Is Repair/Replacement Required? Q Our client has a small warehouse insured on a CP 00 10 04 02. The building was completely destroyed…