Territory Definition and Overseas Exposures July 21, 2015 We have a client that has been operating within the USA but is now expanding to do work on…

Property Manager as Additional Insured July 21, 2015 We insure an apartment complex under a CGL form. The complex has a property manager who is listed…

  Meaning of "Entrusted" in Contractors Equipment Coverage July 20, 2015 Our insured has a company that leases and rents contractors equipment.…

Vehicle Falls off Lift   July 13, 2015 We insure Maryland homeowners under the AAIS HO003 09 08 edition. The claimant wanted to give her car to…

Water Exclusion Clause   July 13, 2015   In Property Insurance Forms   Summary: A standard feature of property insurance forms is the…

Consent Judgment Litigation   A Fifty State Overview   June 15, 2015   Summary: This article was written by Catalina J. Sugayan, Carol…

Faulty Work and Digester Cover June 29, 2015 A local sewer authority that we insure experienced a large loss when the steel anchors for the cover of…

"Foundations" as Property Not Covered   Under "property not covered," the commercial property policy (CP 00 10 04 02) reads, "foundations of buildings,…

Water Tower as Covered Property under Commercial Property Form   Our insured had an extensive fire at his hotel. On top of the hotel was a non-functional…

Mechanical Breakdown and Wear and Tear Exclusion—Not Applicable We insure a commercial building and its business personal property on the commercial…