Magazine

The Micro-Businessowners Coverage Form—also known as the Micro-BOP—may be a good and inexpensive answer for your smaller entrepreneurs without commercial property exposures.

​As we head into a new year, there’s no better time to equip producers with foundational insurance industry knowledge and concepts.

An insured lost income due to an ice storm. Their commercial property policy has an enhancement for business income and extra expense. The claim was denied as coverage isn’t “included in the policy.”

It appears that general contractors are attempting to use the Alternate Employer endorsement like an Additional Insured endorsement. When should you allow it?

The endorsement protects an insured’s building and contents, including business property in a basement, while also providing coverage for business interruption/extra expense and costs associated with moving property to safety or removing debris.

A client’s policy includes an endorsement which provides “blanket additional insured” status to the entity with whom they have a written contract, but the certificate holder still insists that the certificate of insurance must specifically list both it an

An insured was performing excavation work on a private residence and hit the septic tank, causing damage. The carrier is denying the claim because the insured did not contact a locator service prior to performing the work.

For product liability or commercial clients, QBE North America offers a new manufacturing errors & omissions endorsement as a standalone form that combines three key coverages—product, impaired property and work—in one form.

Does the CG 21 44 endorsement limit commercial liability coverage to a specific location? Here’s why it may not suit a policy that covers an insured with off-premises operations.

ISO Commercial Property Changes; ISO CGL Changes; ISO Additional Insured Endorsement Changes