Builders Risk—Value of theBuilding on the Completion Date Q The builders risk coverage form (CP 00 20 04 02) has what amounts to a 100 percent…

Exhibitions and Off-Premises Loss Q I have a commercial property client covered under the CP 00 10 04 02 policy who had a 24' box trailer stolen off…

Latent Defect Exclusion Q Our insured's walls were painted red years ago. Some time thereafter, the walls were papered. Recently, our insured had…

Deductible—What is "an Event"? Q Our question regards the application of the "per event" deductible under the following loss scenario. The insurance…

Employer Liability and HMOs Q Our insured chose a particular HMO for his employees health benefits program. When they are injured or are sick, the…

Remediation Costs for Gutting Building Our client carries building and personal property coverage under a CP 00 10 form with an endorsement for ordinance…

Concurrent Causation under Commercial Property Form Q The question we pose involves the commercial property policy's exclusion 3.b., wherein losses…

Water Loss Repairs Responsibility of Building Owner or Contents Owner? Q Our insured owns a building and recently there was a water loss to various…

Property Management Fees a Part of Covered Loss Q I am a public adjuster and many of my clients are represented by property management firms that…

Rented or Occupied Property Covered under CGL Form? Q Our CGL insured is a small electronics manufacturing firm. Frequently, the owner, the named…