Commercial Lines

Abusing the BAP Pollution Exclusion; PAP Named Nonowner Coverage; Does a Trucker Need CGL Coverage?

An ex-employee of a convenience store steals cash from his former employer, and the store’s insurance company refuses coverage on the basis of “voluntary parting.” Can Ace help the owner of his favorite late-night stop?

Any agency that deals with commercial lines is familiar with the daunting task of processing and explaining additional insured endorsements and certificates. But every now and then, an agency handles a request to name a party as an additional named insure

Ace explains why a CGL carrier denied coverage for damage to building that was caused by a forklift.

Catastrophe modeler Risk Management Solutions surprised the industry last February with the release of Version 11 of its Atlantic Hurricane Model. Unlike RMS’s previous versions—and the models of other data crunchers like AIR and Eqecat—Version 11 posited

Rental Cars and Unauthorized Drivers; BAP Coverage for Employees’ Property; Employee Theft of Customers’ Property

Ace uncovers the insurance gaps that result from adding personally-owned autos to a BAP.

Your insured’s bank has asked to be named as an additional insured on their business income coverage. Why? Could be that the insured has a loan or line of credit they want to secure. Could be that they’re so used to being named as a mortgagee on the prope

An agent writes, “In Louisiana, is workers compensation the sole remedy for a worker who is injured in an auto accident on company time in a company vehicle? Is there any circumstance where UM would be required? Does the employer have to carry UM on his c

More Auto Coverage Games; Debris Removal Coverage: How Much Is Enough?; D&O Insurance…Who Needs It?