Technical Knowledge

A carrier is adding the 1998 version of the ISO form CG 21 44 Limitation to Designated Premises endorsement to all policies on habitational or rental properties with more than one location.

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.

An insured lost income due to an ice storm. Their commercial property policy has an enhancement for business income and extra expense. The claim was denied as coverage isn’t “included in the policy.”

The Hanover Insurance Group offers home-based business solutions coverage for on-site businesses with no more than three employees.

The product responds to the financial risk the new California Consumer Privacy Act regulation presents to existing Coalition policyholders and small to mid-sized businesses.

Farmers today are using technology to manage almost every aspect of their farms—from capturing farm production data to controlling precision agriculture processes. However, as farming technology becomes more sophisticated, so does the risk of a cyberattac

Arbella’s endorsement responds to the proliferation of smart technology, which has revealed a mounting demand for cyber liability protection in the personal lines and homeowners insurance markets.