William Jones

The agent listed one part of the insured’s name as “doing business as” (DBA) because it is not a legal entity, but the insured says its a division of the primary named insured corporation.

A nonprofit organization used a copyrighted picture without permission, and the owner demands payment. The carrier says the use doesn’t fall under advertising because the nonprofit isn’t selling anything.

An insured is responsible for insuring a building under the terms of their triple net lease with the building owner. What is the best way to structure the building owner’s interest on our insured’s policy?

Does a host liquor liability coverage amendment in a business owners policy respond when the insured pays for a hosted bar at regular events?

A senior living condo community in Florida with a homeowners association (HOA) increased its hurricane deductible to 5% and passed the deductible back to the individual owners, who are now responsible for the roofs.

An insured’s client keeps rejecting certificates of insurance (COIs), stating they need to apply additional insured status to all persons or “indemnified parties” instead of limiting that status to persons with whom the parties have a contract.

A rental dwelling experienced extensive damage by the tenant that the landlords found after the tenant was evicted for not paying rent.

Is it best practice to ensure that the personal umbrella policy effective date aligns with the date on the homeowners policy, personal auto policy or any other underlying coverage?

Why would premium be charged on values that exceed the limit of coverage?

The experts weigh in on resources for developing a general checklist of questions to ask commercial applicants.