Exclusions

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?

An insured tree removal service rents a power crane mounted on the back of a truck and damages a structure while removing a downed tree. Can the carrier deny the claim based on the Mobile Equipment exclusion?

An agent starts noticing three contractual requirements becoming more common for their contractor clients. How should they handle them?

Due to clogged drains, rain gets in through a vehicle’s closed sunroof, damaging the interior. Can the carrier deny the claim based on wear and tear?

Your builders risk clients trust you to help them secure effective coverage for their myriad exposures. Make sure tricky policy language doesn’t have a negative impact on their ability to recover from a loss.

Lease agreements routinely include provisions that impose liability on the tenant for repairing damage to leased premises from any cause, not just fire.

PAP Delivery Exclusions; The CGL and Damage Caused by Landscapers; PAP Coverage for Valet Parking

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.