An Overview of the Micro-Businessowners Coverage Form by ISO
The Micro-Businessowners Coverage Form—also known as the Micro-BOP—may be a good and inexpensive answer for your smaller entrepreneurs without commercial property exposures.
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5 Foundational Insurance Concepts Producers Need to Know in 2025
As we head into a new year, there’s no better time to equip producers with foundational insurance industry knowledge and concepts.
Additional Insured Endorsements for Landlords During Construction Without a Written Contract
The landlord, the tenant and the general contractor mistakenly believe the contractor’s additional insured endorsements are triggered by the lease agreement.
What Endorsement Adds an HOA as an Additional Insured to a Renters Insurance Policy?
An agency is getting regular requests from homeowners associations (HOAs) to list the HOA as an additional insured on its tenants’ renters insurance policies. However, the carriers will only list the HOAs as certificate holders or additional interests.
What Is the Limitation to Designated Premises Endorsement?
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.
Service Line Endorsement: Is Damage to a Drain Field a Covered Loss?
A mound system drain field failed, but the carrier denied the claim because piping wasn’t damaged.
What Does a Fellow Employee CGL Endorsement Cover?
Here’s how to explain to a client when a fellow employee endorsement would be triggered.
How Does the Consent to Settle Endorsement Work?
How are defense costs handled in this scenario? Is the insured responsible for these costs?
Protective Safeguard Endorsement: Does Landlord Have Control of Tenants’ Fire Prevention Equipment?
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.
