Strategies

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.

A prospect has a pollution policy in place but doesn’t know if it’s necessary. Its current general liability policy excludes products-completed operations coverage.

A high-net worth customer in Pennsylvania would like to leave a car at his secondary home in Oregon. The car would be available to local family members to use throughout the year.

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?

As schools and other entities consider policies that limit or ban cellphone use, agents can offer risk control guidelines that might help avoid a claim.

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?

A homeowner experienced a wind and hail claim to his roof and it was found that some of the decking was rotting. Local building code says rotting decking should be replaced.

An agency provides a general liability policy for a local religious fraternity. Another insurer is requesting the certificate of insurance (COI) and demanding that it be added as an additional insured on the COI.

A project is requiring a contractor to maintain insurance coverage through the next 10 years. What policy would grant coverage if the business closes during that time?

If the storm track intersects the coverage radius in a policy, the insured gets a payout. No questions, adjustors or proof of loss.