Ask an Expert

If a teacher’s dog bit a child on school property, would the teacher’s personal liability policy respond or would it be excluded? And would the school be liable?

An insured had a foreign object go through his combine when harvesting. He called and reported the damage to the agent but didn’t know whether the damage would be over his $5,000 deductible. The agency submitted the claim around 50 days after the original date of loss. The company says they are only paying $2,500…

The insured died a week and a half before the renewal date but had already paid the renewal premium. The experts disagree on whether the policy was cancelled.

A general contractor filed a claim after tools were stolen from an employee at an active construction project location. The carrier denied coverage, saying that the tools were not located at the insured’s premises.

The policy conditions for a homeowners policy state that the first named insured is the one who has the authority to cancel an insurance policy. Does that mean that the second named insured is not required to sign?

A client has been very belligerent to agency staff throughout the years yet still stays with the agency. If the agency gives a 60-day notice, can it non-renew this client?

A commercial lines prospect has a limit on business income and business personal property (BPP), but not on the building.

A commercial insured’s showroom was flooded after a demolition contractor broke a water line while demolishing an adjacent building.

A Missouri-based commercial lines client uses virtual assistants in the Philippines. Does the virtual assistants’ wages need to be added to the company’s workers compensation policy?

A homeowners client is building an addition on their secondary home, which is still occupied and furnished. The carrier says there is no coverage for theft of personal property.