After a shopping cart was blown 30 yards across a parking lot into a client’s car, the agent believes the windstorm damage is a comprehensive loss. The adjustor says the object is a collision loss because the object must be falling to be caused by a winds
In the event of a claim—dog-related or otherwise—would the carrier be able to declare the policy void back to inception due to fraud or material misrepresentation by the applicant?
If a customer of one of the tenants was injured in an auto accident in the parking lot, does the standard commercial general liability policy without the non-owned auto endorsement provide coverage for the landlord?
An insured is building a new home and plans to hire a moving company. If the moving company damages any of their personal property, is that covered under the Homeowners Policy Special Form 3?
A U.S.-based trucking client’s truck and cargo were stolen in Canada, but the carrier denied the claim due to a territorial exclusion. The loss happened “before the insured had a chance to read the policy.”
A client had car trouble and pulled into a private drive to investigate. The car leaked transmission fluid onto the driveway but the carrier denied coverage for the damage.
A carrier is adding the 1998 version of the ISO form CG 21 44 Limitation to Designated Premises endorsement to all policies on habitational or rental properties with more than one location.
A company has physical locations in eight states and at least five separate workers compensation policies. What issues will having these multiple policies create?
If a client with an HO6 policy leaves his bathtub on and it overflows and damages the unit below, how is the damage covered?
A delivery driver had an accident while running an errand for his employer in his personal auto, but his carrier has denied the claim based on the public or livery exclusion.
