Spoilage Loss Coverage Requires Mechanical Breakdown July 11, 2012 My client experienced a partial roof collapse. As a result, the local authorities…

Discusses whether business income coverage applies to loss of rental space that was closed as a result of asbestos.

Explosion Coverage July 9, 2012   Background   Summary: A standard feature of property insurance forms is the coverage for "direct physical…

Storage Fees under Garage Coverage July 2, 2012 Our insured was doing mechanical work on a customer's car and the employee took the vehicle out for…

Discusses the earth movement exclusion in both commercial and personal lines policies.

Return of Unearned Premium June 25, 2012 My question is related to return of unearned premium following payment of policy limits after a total loss.…

Blanket Coverage Discussed—Archived Article 2 September 2005 Advantages and Disadvantages Summary: There are two basic methods of insuring commercial…

Coverage for a Rented Houseboat June 19, 2012 The insured has a HO-3 policy and is going on a trip and renting a house boat. If the insured was liable…

Vehicle Damaged in Transit June 11, 2012 Our insured is a vehicle transportation company that has a businessowners policy with a garagekeepers endorsement.…

False Pretense Exclusion and Theft Coverage June 11, 2012 We would really like your opinion regarding a discussion we have been having with regard to…