Technical Knowledge

The insured died a week and a half before the renewal date but had already paid the renewal premium. The experts disagree on whether the policy was cancelled.

A general contractor filed a claim after tools were stolen from an employee at an active construction project location. The carrier denied coverage, saying that the tools were not located at the insured’s premises.

A commercial lines prospect has a limit on business income and business personal property (BPP), but not on the building.

A commercial insured’s showroom was flooded after a demolition contractor broke a water line while demolishing an adjacent building.

A Missouri-based commercial lines client uses virtual assistants in the Philippines. Does the virtual assistants’ wages need to be added to the company’s workers compensation policy?

A homeowners client is building an addition on their secondary home, which is still occupied and furnished. The carrier says there is no coverage for theft of personal property.

Heavy rain overwhelmed a French drain outside of a commercial insured’s building, which caused water to back up into the building. The carrier denied the claim because the drain was exterior.

After a fire destroyed a golf course’s maintenance building, the carrier refused to cover the extra expense to convert another building into a maintenance building.

A prospect has a pollution policy in place but doesn’t know if it’s necessary. Its current general liability policy excludes products-completed operations coverage.

A high-net worth customer in Pennsylvania would like to leave a car at his secondary home in Oregon. The car would be available to local family members to use throughout the year.