This question deals with the reasoning behind why an insured's mid-term cancellation is short-rated rather than pro-rated.

Sometimes the repair of damages from a hurricane can lead to unexpected mitigation, such as in the case when replacement of flooring required asbestos abatement.

This Q&A deals with an installer's instructions to a homeowner regarding the need for a replacement appliance and a claim for damages caused by the older appliance.

This analysis describes the introduction of new replacement forms for the ISO Commercial Cyber product. This is Part One of the analyses, which identifies the forms being replaced and provides an analysis of form CY 00 03, Sections I-IV. A separate analysis will address the remaining sections of that form. Additional contract analyses will address this comprehensive replacement of the ISO cyber product, to be effective 11 21.

This is Part Two of a multiple part contract analyses of ISO Cyber replacement forms to be effective 11 21. Part Two continues the analysis of CY 00 03 11 21, covering Sections V-X of the Information Security Protection Cyber Policy, which replaces form CY 00 03 11 18.

An insured put up with insufficient airflow for several years when a regular inspection would have caught the problem much earlier. But will there be coverage for this insured's loss?