Boiler and Machinery—Lightning Damage to Freezer—Coverage for Food under Consequential Loss Endorsement? Q Our insured suffered a lightning…

Irrigation System and Steam Boiler Policy We have an insured with a company-specific steam boiler policy. The insured has coverage for direct damage…

Valuable Papers and RecordsCoverage Away from Premises Q We have an insured with coverage for valuable papers and records on a commercial inland marine…

Faulty Work Exclusion under Garage Policy Q Our insured, an auto repair shop, has an ISO garage coverage form CA 00 05 10 01. Recently a customer's…

Crime Form and Third Party Coverage Does the employee fidelity bond (form A) provide coverage if the insured employee steals from a third party? Our…

Waiting Period Not the Same as a Deductible Our insured had a business income loss that resulted in a twenty-eight hour closure. The property deductibles…

Garage Operations Include Restaurant and Office Buildings? Q We insure a new car dealer on a garage policy. This insured owns several office buildings…

Period of Indemnity ExtensionEndorsement and Loss of Rents Q A multi-unit apartment building owned by one of our insureds was damaged by fire. Six…

Boiler & Machinery Testing Loss Q Please provide an interpretation of the words "testing" or "tested" as it relates to the boiler and machinery…

Employee Benefits Liability Endorsement and COBRA Q How does the employee benefits liability endorsement on a CGL policy respond to mistakes an employer…