CGL Coverage for Alleged Theft by Employee   We issued a CSP policy to The Housekeepers. It appears an employee took items from two homes, but…

In Transit Coverage for Plumber's Tools? Q Our insured plumber's van was broken into and tools usually carried therein were taken, valued at more…

Trailer Considered Property Not Covered Our insured allowed their best and largest client to park a semi-trailer on their property. The semi-trailer…

Outdoor Signs and Outdoor Fixtures Covered as Commercial Property? The commercial property coverage form (CP 00 10) insures outdoor fixtures but excludes…

Spoilage Coverage Does Not Provide Additional Limits We have a CP 04 40 06 95, Spoilage Coverage form on a retail business. Fire destroyed the business,…

Officers and Directors Insureds under CGL Form? Q We insure a club with a commercial general liability policy. One board member often is on club premises…

Builders Risk—Does Occupancy Equal Completion? Q Our insured had a completed value builders risk policy on a four-townhouse building under construction.…

Certificates of Insurance and Conflicting Policy Language Q We have a question about certificates of insurance. Our insured was named as an additional…

Depreciation Amount Withheld by Insurer We are public adjusters, and we have a commercial insured with a CP 00 10 04 02. The insured had a covered total…

Replacement Building Covered by Commercial Property Form? Q An insured whose building was heavily damaged by fire has found another suitable structure…