Garage Operations and Completed Operations Claim Our insured is a business dedicated to the installation of radio, alarms, and similar electronic equipment…

Indemnity Versus Pay-on-Behalf of Language In reading umbrella policies, we have found two differing versions of the insuring agreement. One states…

Valuable Papers Coverageand Limits of Insurance Q The question here is not what valuable papers coverage applies to, but just how much coverage the…

"Occurrence" Definition in Crime Coverage Q Our insured owns a pizza restaurant. The same individual broke into the premises and stole cash on many…

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,…

Theft by Employee — What Constitutes Proof? Q My client has a business covered by a standard commercial crime policy. The policy includes coverage…

Computer Equipment Includes Telephone System? Q Our insured suffered a covered loss to its computerized telephone system with damages totaling more…

Employee Dishonesty—Inventory Computation Exclusion Q I am working with an employee dishonesty claim, with form CR 00 10 10 90. The facts are…

Employee's Salary a Continuing Operating Expense Who decides which employees and their payroll remain during the period of restoration? The insured…

Employee Dishonesty—Partners vs. Corporate Formation Q The named insured on an employee dishonesty policy written by us is "Smith & Jones,…