Technical Knowledge

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 has an ISO CGL policy with additional insured forms attached, specifically listing the general contractor as an additional insured. Does a named insured need to be named in a claim to trigger coverage on the policy for the additional insured?

Is there any reason an individual would need the Drive Other Car endorsement if they also have a personal auto policy?

After a cat-heavy year, many commercial lines are gearing up for significant rate increases. But commercial excess isn’t necessarily one of them—which makes it a good time to have a conversation about changes in these insureds’ operations.

Why purchase uninsured motorist/underinsured motorist umbrella coverage when medical insurance—less deductibles and copay—would cover such a loss?

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?

The new structure provides a dedicated limit for every project a firm works on after the retroactive date specified in the professional liability policy—even if the policy aggregate limit is exhausted after a claim.

As exposures like social engineering continue to blur the lines between crime and cyber claims, how is the insurance industry responding?

An agent is issuing a new certificate of insurance with policy limits of $1 million/$2 million. The agent knows of a $500,000 claim. What policy limits should be shown on the COI?