Reporting Requirements When PAP and PUP Are Written by Different Carriers
What are the reporting requirements of a liability claim to the carrier that doesn’t write the underlying coverage?
Virtual University
Commercial Property Coverage for Tools Stolen from Jobsite
A general contractor filed a claim after tools were stolen from an employee at an active construction project location. The carrier denied coverage, saying that the tools were not located at the insured’s premises.
Independent Agent Magazine Reviews the Biggest Stories of 2025
This end-of-year episode of Agency Nation Radio is brought to you by the editors of Independent Agent magazine. Will Jones, editor-in-chief, hosts the discussion and is joined by Olivia Overman, content editor, and AnneMarie McPherson Spears, news editor.
Can a BOP Have Business Income Coverage Without Building Property Coverage?
A commercial lines prospect has a limit on business income and business personal property (BPP), but not on the building.
Is Flooding From a Broken Water Line Considered Surface Water?
A commercial insured’s showroom was flooded after a demolition contractor broke a water line while demolishing an adjacent building.
Do Homeowners Policies Exclude Theft of Personal Property During Renovations?
A homeowners client is building an addition on their secondary home, which is still occupied and furnished. The carrier says there is no coverage for theft of personal property.
Exterior French Drain Backup: Drain Coverage or Surface Water Exclusion?
Heavy rain overwhelmed a French drain outside of a commercial insured’s building, which caused water to back up into the building. The carrier denied the claim because the drain was exterior.
Can an Insured Make an Extra Expense Claim Without a Business Income Loss?
After a fire destroyed a golf course’s maintenance building, the carrier refused to cover the extra expense to convert another building into a maintenance building.
Discontinued Product Liability and Occurrence CGLs
A manufacturer sold a division of the business. Is discontinued products liability necessary, or will the ongoing CGL cover the liability for the products manufactured and sold before the sale?
Does a BAP Cover Loading and Unloading?
A packing and crating company occasionally moves specialty items. Does its business auto policy exclude property damage to others in the process of loading or unloading?
