Can a BOP Have Business Income Coverage Without Building Property Coverage?
A commercial lines prospect has a limit on business income and business personal property (BPP), but not on the building.
Technical Knowledge
Is Flooding From a Broken Water Line Considered Surface Water?
A commercial insured’s showroom was flooded after a demolition contractor broke a water line while demolishing an adjacent building.
Should Overseas Virtual Assistants Be Included in a Workers Comp Policy?
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?
Do Homeowners Policies Exclude Theft of Personal Property During Renovations?
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.
Exterior French Drain Backup: Drain Coverage or Surface Water Exclusion?
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.
Can an Insured Make an Extra Expense Claim Without a Business Income Loss?
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.
Rubber Hits the Road: Does a Tire Recycling Company Need Pollution Coverage?
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.
Insuring a Vehicle Garaged at an Out-of-State Secondary Residence
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.
Discontinued Product Liability and Occurrence CGLs
A manufacturer sold a division of the business. Is discontinued products liability necessary, or will the ongoing CGL cover the liability for the products manufactured and sold before the sale?
Does a BAP Cover Loading and Unloading?
A packing and crating company occasionally moves specialty items. Does its business auto policy exclude property damage to others in the process of loading or unloading?
