After a burglary, an agent’s client suffered significant damage to the home, including losing a safe containing jewelry, money and guns. Together, the jewelry and money alone were worth more than $88,000—but the client received only $1,200 from the insure
ISO Commercial Property Changes; ISO CGL Changes; ISO Additional Insured Endorsement Changes
PAP Delivery Exclusions; The CGL and Damage Caused by Landscapers; PAP Coverage for Valet Parking
Can an insurance company deny a homeowners policy claim because of damage caused by a squirrel? There’s no more fitting of a time than Groundhog Day to learn about how rodent damage is treated by homeowners coverages.
Abusing the BAP Pollution Exclusion; PAP Named Nonowner Coverage; Does a Trucker Need CGL Coverage?
Any agency that deals with commercial lines is familiar with the daunting task of processing and explaining additional insured endorsements and certificates. But every now and then, an agency handles a request to name a party as an additional named insure
Your insured’s bank has asked to be named as an additional insured on their business income coverage. Why? Could be that the insured has a loan or line of credit they want to secure. Could be that they’re so used to being named as a mortgagee on the prope
The “Primary and Noncontributory” Myth; HO Coverage for Timeshares; Extra Expense: What Is “Necessary”?
Insurance premium fraud has long been a serious problem across all lines of insurance, especially workers’ compensation. When policyholders falsify company data to reduce their premium, it has negative financial and legal ramifications for everyone, inclu
In response to many inquiries and concerns from agents around the country, I would like to address a current industry hot topic—certificates of insurance. Most of you have insureds who are being asked to sign construction/service contracts, lease/loan agr