If a Building's Keys Are Stolen, Does Insurer Pay to Change Locks? September 19, 2011 If the insured has a commercial building policy and the building…

Nuclear Energy Liability Exclusion September 20, 2011 The nuclear energy liability exclusion, IL 00 21, is attached to all liability policies. No one…

Products and Completed Operations Hazard Redefined September 20, 2011 A person goes into a restaurant, consumes and ingests the food, and becomes ill.…

When a hotel suffers damage from a collapse, how the policy defines collapse is critical to whether or not coverage is provided.

Hit-and-Run Driver Responsible for Property Damage Claim August 29, 2011 A hit-and- run driver hit a car, which in turn was pushed into a building.…

Is liquid waste an object?

Certificates of Insurance and Insureds August 18, 2011 My question is concerning the Acord 25 Certificate of Liability. We have an insured with an…

Intentional Acts and Unintentional Results August 18, 2011 I am handling a homeowners liability claim under the HO5 policy. Our insured was conducting…

Power Failure or Wear and Tear? August 18, 2011 The insured carries an HO 00 03 (4/91). A light fixture in the insured's living room began to spark…

Occurrence Requires an Accident August 18, 2011 Our insured has a HO 00 03 04 91 policy. A liability claim has been presented against the policy. A…