Strategies

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?

A client has full glass coverage on her personal auto policy. She rented a vehicle while traveling and got a chip on the windshield.

A pallet manufacturing company has a business auto policy that renews in November and a commercial umbrella policy that renews in April.

If an employee drives a regularly furnished company car and the employee and family members are injured in an accident while using that car, how is that claim covered?

A commercial insured needs to coordinate between a business auto policy and an inland marine policy to cover a a water well drill rig permanently mounted on a Peterbilt truck.

An insured lives in Connecticut but is building a new one-family home on their property in Massachusetts.

A contractor with an ISO commercial general liability policy experienced a property damage claim. The carrier says it owes the actual cash value (ACV) for repairs but the agent believes the carrier owes the full cost to repair.

A carrier is attaching the exclusion to every contractor policy regardless of business class. How will this exclusion apply to different types of contractors?

A subcontractor called the general contractor and told him he moved a water supply line, after which a leak occurred. The sub filed a claim, but now denies he ever touched the supply line. The sub’s carrier won’t follow through with the claim.

A carrier added the endorsement to a commercial general liability form and says that the endorsement adds liquor liability to the policy, as it eliminates the liquor liability exclusion.