Our insured is a hotel that suffered damage to some of its rooms as a result of water damage. The insured is a franchisee and has an agreement with…

Bases of Liability Premium   October 8, 2012   Used in Determining Premium Summary: The Insurance Services Office (ISO) uses certain criteria…

Insuring a Duplex October 4, 2012 We are experiencing situations involving duplex homes where coverage is being requested under a HO 2 or HO 3 form.…

This article explains the 1943 New York fire policy, which has been incorporated into subsequent policy forms.

Overview of AAIS Contractors and Developers Output Program (DOP) August 2002 American Association of Insurance Services Summary:…

Bodily Injury Coverage in Relation to the Operations of the Insured September 24, 2012 Our insured carries a commercial general liability policy with…

A Changing Concept   Summary: The term "actual cash value" is used in most property forms as well as inland marine forms and auto physical…

Twin Condominiums September 10, 2012 We are more and more often being asked to insure twindominiums which, loosely defined, are a two-family home where…

Towed Vehicle Causes Damage—Which Policy Provides Coverage? Our insured is a towing company. It has a standard business auto policy with a garagekeepers…

Covered Auto Designation Symbol 9 Analysis Symbol 9 on the business auto policy refers to nonowned autos, that is, those autos that the named insured…