Service Line Endorsement: Is Damage to a Drain Field a Covered Loss?
A mound system drain field failed, but the carrier denied the claim because piping wasn’t damaged.

A mound system drain field failed, but the carrier denied the claim because piping wasn’t damaged.
Here’s how to explain to a client when a fellow employee endorsement would be triggered.
How are defense costs handled in this scenario? Is the insured responsible for these costs?
An insured owns a shopping center with several restaurants. Failure to comply with the protective safeguards listed in the endorsement over which the insured has control would result in no coverage for a fire loss.