Does Ordinance or Law Coverage Apply to Rot?
A homeowner experienced a wind and hail claim to his roof and it was found that some of the decking was rotting. Local building code says rotting decking should be replaced.
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Multi-State ISO BOP Revision Allows Certain Auto Service Risks
A major overhaul of the ISO Business Owners Policy (BOP) means that automobile service operations can be included on the form as of July 1, 2025. Here’s an overview of eligibility, endorsements and exclusions.
Products-Completed Operations Coverage for a Closed Business
A project is requiring a contractor to maintain insurance coverage through the next 10 years. What policy would grant coverage if the business closes during that time?
Does a Rental Car Have Other Than Collision Glass Coverage from a PAP?
A client has full glass coverage on her personal auto policy. She rented a vehicle while traveling and got a chip on the windshield.
Is There a Coverage Gap When BAP and Umbrella Have Different Renewal Dates?
A pallet manufacturing company has a business auto policy that renews in November and a commercial umbrella policy that renews in April.
4 Things You Should Do If Your Carrier Has Been Hacked
Cyberattacks against carriers, such as the ones earlier this month against Erie Insurance and Philadelphia Insurance Companies, can pose serious errors & omissions risk for your agency.
Employee and Family Injured in Company Car: How Do PIP, PAP, BAP and Workers Comp Interact?
If an employee drives a regularly furnished company car and the employee and family members are injured in an accident while using that car, how is that claim covered?
How to Insure a Truck-Mounted Drill Rig
A commercial insured needs to coordinate between a business auto policy and an inland marine policy to cover a a water well drill rig permanently mounted on a Peterbilt truck.
Does an HO3 Cover a Dwelling Being Built in Another State?
An insured lives in Connecticut but is building a new one-family home on their property in Massachusetts.
1 in 4 Businesses Know They’re Underinsured As Catastrophe Concerns Increase
Despite rising concerns, 26% of commercial property owners admit to knowingly carrying inadequate insurance coverage to account for severe weather events, an 8-point increase from 2023.
