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…

Duty to Defend in Murder Case Coveredby Commercial General Liability Form? Q We have a rather unusual situation and are unsure how to proceed. Our…

Other Insurance Clauseand Excess Coverage Q Our insured operates a computer repair shop, and regularly has the property of his customers in his care,…

Business Risk Doctrine and the CGL Form Q Our insured is a contractor and we have tried to explain to him the coverages and exclusions that appear…

Auto Accident Claims Covered by CGL Form? Our insured traded a vehicle that was part of their business to a dealer. Two years later, the employee of…