Exclusions

Applying the Rodent Exclusion

Can an insurance company deny a homeowners policy claim because of damage caused by a squirrel? There’s no more fitting of a time than Groundhog Day to learn about how rodent damage is treated by homeowners coverages.

The Public or Livery Conveyance Exclusion

The ISO PAP excludes vehicles being used as a public or livery conveyance for liability, medical payments and physical damage. This exclusion pops up in scenarios ranging from airport shuttles to pizza delivery…

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