Deductible - How to Apply Q We are a public adjusting firm. Our client is a hotel located on the Atlantic coast of North Carolina . The hotel is insured…

Water Damage and Boarded-Up Windows Q Our insured's building is covered by an ISO commercial property policy, CP 00 10 04 02, with the special causes…

Improvements and Betterments—Coverage Dependent on Term of Lease? Q Our insured had lightning damage occur to a central air conditioning unit…

Contractual Liability Coverage and the Meaning of "Execution" Q We have a question dealing with the contractual liability coverage offered under a…

Crop Spraying Claim and General Liability Coverage Q Our insured is a crop sprayer. He inadvertently mixed a fertilizer product with a weed killer.…

Broadcasting Activities — Personal and Advertising Injury Q We have a question concerning the ISO commercial general liability policy's coverage…

Damage to Property Exclusionand Carpet Cleaning Q Our insured, a carpet-cleaning company, carries a standard ISO CGL policy (1998 edition). An employee…

Overhead Transmission Lines Definition Q Our insured has purchased coverage for off-premises power failure, which includes coverage for losses caused…

Co-employee Exclusion Under CGL Form Q I handle the insurance for a construction company that is negotiating a construction contract with a landowner.…

Wear and Tear Exclusion Q Our insured was operating an insured tractor and the wiring harness from the ignition to the engine was rubbing against…