Release of Pollutants Brought on Premises by Insured   September 16, 2013   Our insured is a contractor and sprayed a chemical solution in…

Insurable Interest in Stolen Autos September 6, 2013 Recovery by Innocent Purchaser—Court Cases   Summary: Whether an innocent purchaser…

Updating of Undamaged Septic System September 4, 2013 I have an insured who has suffered covered fire damage to his home. During the course of reconstruction…

BAP Symbol 1—Any Auto Scope of Coverage August 14, 2013   Summary: This is an article written by Don Malecki, consulting FC&S editor,…

Hail Blocking Gutters Not Exception to Commercial Property Limitation August 19, 2013 Our insured carries a CP 10 30, Causes of Loss – Special…

Tenant’s Policy Coverage When Tenant Dies on the Property August 6, 2013 We have a commercial client who had a tenant die in an apartment. It…

ISO's businessowners program offers property and liability coverage for certain insureds, directed towards "main street" commercial insureds. This article discusses the eligibility requirements, conditions, and common endorsements.

Extenuating Situation When Reporting a Loss August 6, 2013 We have a major homeowner loss where the owner was out of the country when the fire rendered…

Business Property when the Insured Retires   August 6, 2013 When does business personal property become personal property?   A gentleman retires…

Suicide by Gunshot August 6, 2013 Question is under a homeowners policy, the named insured commits suicide by shooting himself with a shotgun. We are…