Virtual University

A laundromat had a fire claim that damaged the bolted-down washing machines and dryers, which the carrier contends are considered personal property.

A college student lends his car—which is covered on his parents personal auto policy—to a roommate, who gets in an accident.

An insured installs and services bank equipment, including ATMs, which are stored at warehouses. The carrier says the warehouse is responsible for the property while it’s being stored, and won’t provide any coverage to the insured.

Does only the named insured have liability coverage extended by the standard ISO personal auto policy or would a named driver also have coverage?

An insured’s commercial building is almost finished construction. At what point does property coverage begin for the new construction under policy form CP 00 10 10 12 and corresponding form CL CP 00 34 10 18?

An insured pays an individual who uses their own car to shop and run errands. How can the insured acquire coverage for their vicarious liability from hiring the shopper?

What is an agency’s responsibility or best practice regarding maintaining an electronic copy of the full policy document in their agency management system?

Is a verbal response acceptable or is there a formal way an agency needs to document proof of consent prior to texting?

An insured’s son was mowing her lawn when the lawnmower threw a rock into the neighbor’s truck window. The son doesn’t want to file under his homeowners and feels that his mother’s HO3 should pay the claim.

The insured delivers a refrigerator to a customer. Once in the house, the insured takes the fridge off the dolly to maneuver a small space, but while moving the fridge by hand they scratch the floor.