Commercial Lines

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.

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.

A client is planning a $400,000 house renovation. Would a builders risk policy be the best option to cover the renovation, or are there specific ISO homeowners endorsements that can be added?

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

The landlord, the tenant and the general contractor mistakenly believe the contractor’s additional insured endorsements are triggered by the lease agreement.

A carrier is adding the 1998 version of the ISO form CG 21 44 Limitation to Designated Premises endorsement to all policies on habitational or rental properties with more than one location.

Here’s how to explain to a client when a fellow employee endorsement would be triggered.

How are defense costs handled in this scenario? Is the insured responsible for these costs?

An insured owns a shopping center with several restaurants. Failure to comply with the protective safeguards listed in the endorsement over which the insured has control would result in no coverage for a fire loss.

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.”