Questions & Answers

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Notice: Information provided by the Ask the Experts service is general in nature and intended for educational and informational purposes. The service does not provide legal advice.


July 24, 2008

When the county declares that the building must be razed, is it excluded under ordinance or law?

July 24, 2008

Water Damage Not Caused by Drain Overflow Excessive rain from thunderstorms caused interior water damage to a building through the roof. The building…

July 24, 2008

When the warranty requires steps beyond the insurance policy.

Assault and Battery Exclusion, Negligent Hiring, and General Liability Coverage A claim involving a stabbing of a tenant by an unknown assailant has…

Is Aircraft Exclusion Applied to Model Airplane Under the current version of the CGL form, would an insured have coverage for bodily injury caused by…

Athletic Participants Exclusion and General Liability Coverage Our insured owns a hotel and wants to rent out the ballroom for a boxing match. I asked…

Advertising and Auto Exposure for Insured Our insured has paid to have his business name painted as advertising on a stock car used at the local race…

July 23, 2008

Should additional living expenses on a homeowners policy be paid when floor sinks and residents are ordered to vacate until it is repaired?

"Your Product" Exclusion and the CGL We handle the general liability insurance for a company that manufactures seats for delivery vehicles. The company…

July 22, 2008

A business that we insure paid a new employee erroneously. Instead of paying the employee $680, the business paid him $11,000 for 680 hours of…