Virtual University

The nonprofit owns buildings, has tenants and collects donations. Donations appear on the nonprofit’s profit and loss statement and therefore impact the profits.

An agency is considering adding language to its agent of record (AOR) letter advising that the agency is not responsible for any deficiencies that exist in the coverage until it has a reasonable chance to review the coverages.

After trees fell on an insured’s roof during a windstorm, the carrier is limiting payment to remove the trees from the roof to the $1,000 sublimit under Section 1—Additional Property Coverages for Debris Removal.

If an agency uses a carrier’s property cost estimator evaluation tool to come up with a valuation on a risk, who is liable if the risk is underinsured?

If an agency uses a carrier’s property cost estimator evaluation tool to come up with a valuation on a risk, who is liable if the risk is underinsured?

A nonprofit wants to use a golf cart, which is not required to be licensed in the state, to travel around a university campus. Is the golf cart considered an auto or mobile equipment?

Can townhouse exteriors be insured by each owner, with the homeowners association (HOA) insuring common areas?

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?