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…

Underground Property Exclusion under Inland Marine Policy Q An insured lost a hammer bar, which is a permanent part of a well digging truck and rig,…

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…

Mechanical Breakdown Exclusionand Inland Marine Form Q A company we insure was hired to remove the top of a water tower with a crane. The top was…

Employee Dishonesty Coverageand Third Parties Q We insure a moving and storage company that wants to bond its employees for theft of merchandise from…

Contractor's Profit Where the Insured Performs Repair Q I insure a company that owns a dry dock that was damaged when a boat tipped onto it. The dry…