Exclusions

As the builders risk market evolves through a changing economic and physical landscape, agents play a key role in protecting the interests of the insured.

Is there a liability coverage gap for the sale of THC-infused drinks, with or without the addition of a liquor liability form? Does the definition of “intoxication” apply to only alcohol or more broadly?

An insured allows his employees to drive two of his personal vehicles for activities related to his auto repair buiness. Does PAP liability extend to the employees?

Does a host liquor liability coverage amendment in a business owners policy respond when the insured pays for a hosted bar at regular events?

An insured with a business auto policy rents a warehouse he’s not contractually obligated to insure. While backing out, he hit the building, and the carrier is denying coverage.

A contractor caused a slow leak while remodeling a bathroom and had to remove a large part of their work. What parts of the repair are excluded under the Damage to Your Work exclusion?

A carrier denied a claim for floor damage after a condensation line leaked because of the time period over which the leak occured.

An employee’s purse was stolen when she startled a robber in the middle of a break in. The carrier says the loss is excluded from the business owners policy under the theft exclusion.

An insured is leaving her house in an employer-owned company car and backs into her fence. She files a claim with the business auto policy carrier, but the carrier denies it.

A burst city waterline causes water damage to the common area of a mall, which is insured under a proprietary Special Cause of Loss form. Can the carrier deny coverage based on the water exclusion?