Garage Policy and Applicable Deductible We write a commercial garage policy for a motorcycle dealership. The insured has comprehensive physical damage…

Garage Operations and Completed Operations Claim Our insured is a business dedicated to the installation of radio, alarms, and similar electronic equipment…

Indemnity Versus Pay-on-Behalf of Language In reading umbrella policies, we have found two differing versions of the insuring agreement. One states…

When a windstorm damages vehicles on the property, is the resultant business income loss covered?

We have a client who hired a payroll service to take care of issuing their payroll checks, filing taxes, issuing W-2s, etc. The payroll service…

Discusses rental value when property was not occupied at time of loss.

One of my clients, a physician, learned that his office manager had accepted more than $3,000 in personal long-distance phone calls during…

Boiler and Machinery—Lightning Damage to Freezer—Coverage for Food under Consequential Loss Endorsement? Q Our insured suffered a lightning…

Waiting Period Not the Same as a Deductible Our insured had a business income loss that resulted in a twenty-eight hour closure. The property deductibles…

Falling Objects and the BOP Q An insured knocked over a medical instrument that contained mercury. The mercury spilled and cleanup costs were incurred.…