Service Line Endorsement: Is Damage to a Drain Field a Covered Loss?
A mound system drain field failed, but the carrier denied the claim because piping wasn’t damaged.
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Commercial Lease: Who Replaces Damaged Building Property After a Burglary?
The tenant’s carrier is declining to pay for a damaged door, saying there is no obligation for the tenant to pay for the building owner’s property.
Is Sexual Harassment Covered in a Health Care Organization’s D&O Policy?
An insured health care organization with directors & officers and employment practices liability insurance policies asked its agent if sexual harassment was covered on its D&O policy.
Does Surface Water Count as a Flood?
A carrier denied a client’s property damage claim because the water was “surface water.” The property had the standard ISO special perils form, as well as coverage on a sublimit for sewer and drain backup.
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
Going Out of Business: Returning the Premium on a Cancelled Commercial Policy
The agency sent the return premium check to the first named insured but was informed the entity has dissolved and was requested to send the check to an individual.
Lease Purchase Agreement: How to Protect Tenant’s Insurable Interest in Building
A commercial insured that rents a building has a sales installment to buy the building from the landlord. The landlord maintains the title of the building and carries building insurance, with no coverage for the tenant.
AN Radio: Challenges and Solutions When Insuring Multifamily Homes
Two experts discuss the multifamily housing market and the impact of the hard market on property & casualty insurance.
Vehicle Registered in One State, Garaged in Another: Which Rates Apply?
An insured owns a vehicle that is registered in Florida but permanently garaged at his second home in Wisconsin.
Adding a Landlord as Loss Payee to Tenant’s Business Income Policy
An insured rents a commercial building with a contract that requires the building owner be listed as the loss payee on the loss of rents provision. What form would cover this?
