Virtual University

Should the merchant purchase business personal property of others or business personal property coverage?

The landlord, the tenant and the general contractor mistakenly believe the contractor’s additional insured endorsements are triggered by the lease agreement.

Does Symbol 1 cover vehicles that might not immediately be listed due to system glitches, human errors or other oversights?

If the tenant is required by the lease to insure the value of their improvements and betterments, how can they do that without having it valued in a way that’s dependent on the building owner making repairs promptly?

How does keeping two sets of files impact errors & omissions exposure?

After the client submitted a claim, the restoration company found asbestos in the subfloor that was damaged in the claim incident. The adjuster is denying any coverage for the removal of the subfloor.

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.

A client is purchasing half of a duplex to rent on a long-term lease. The underwriter says that coverage should be written on an HO3 policy with an endorsement providing coverage for rental to others.

The insured does not want to cancel the business auto policy nor transfer the vehicles to his personal name and personal auto policy. Could the carrier deny coverage if a claim occurred?

What is the proper wording to reflect additional insureds on certificates of insurance (COIs)?