williamjones

Business Interruption: Special Form vs. Specified Causes of Loss

A client suffered a business income loss due to loss of internet and phone services. The service provider didn’t respond to inquiries for the reason of the loss of services, so the carrier denied the claim because it was unable to confirm the cause of los

Removing Separated Spouse from PAP

An insured is separated from her husband and wants to stop paying the premium for the vehicle he drives. If an accident were to occur, would she be liable for anything pertaining to the policy or accident?

What Is an ‘Act of God’ and Is It Excluded from a CGL?

A barge service was installing a boat lift for a client when the wind shifted directions and pushed the barge into another dock, causing $6,000 in property damage. The carrier is denying coverage because the boat was moved by the wind.