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Commercial lines
060005-00
Loss runs
What’s the requirement for companies to provide loss runs on request?...
060015-00
Late renewal notice
We have a commercial renewal due the first of next month; it is now 15 days until the renewal date. At this point, we have heard nothing from the......
060042-00
Cancellation notice—nonpayment
A general liability policy we sold was canceled for nonpayment, but our client says that they never received any prior notice. Doesn’t the......
060043-00
Limits on claims-made forms
What types of risks may be written on a claims-made basis in Connecticut?...
060056-00
Notice of renewal premium; policyholder rights
A client’s commercial auto premium jumped from $12,000 to $19,000 at renewal. The company did not notify the client until about 30 days into......
060057-00
Policyholder notice rights
A professional liability policy is being switched from one company to another in the same insurer group. In the process, the company is making......
900015-00
Business interruption payroll coverage
Under the Business Income Coverage form, how do we help a client decide between insuring ordinary payroll vs. just that of key employees?...
900077-00
Business interruption—’leader’ location
Have you ever heard of a coverage called “leader”? An adjuster suggested that our insured should have this....
900081-00
Floor plan coverage
What can you tell me about “floor plan” insurance?...
900092-00
Completed operations
If a general contractor’s contract with a subcontractor contains a hold-harmless agreement that includes “any and all claims”......
900094-00
Bankrupt client
We’d like to know what the insured’s obligation is to the insurance company for premiums if the insured goes through Chapter 11......
900106-00
Power-surge exclusion
A gas station with a package policy sustained a loss when a power surge shorted their computer equipment. It turned out that a tree limb on the......
900124-00
First-named insured pays
Suppose that more than one company under common ownership was insured under a commercial package policy and the company that was listed as the......
900174-00
Umbrella drop-down provisions
We have an insured with an umbrella policy for $4 million in coverage, over a $1 million primary policy. If the carrier providing the underlying......
900191-00
Deleting an additional insured
What would be the guidelines for deleting an additional insured from the policy?...
900192-00
Completed operations liability
Could you please clarify the relationship between contractual liability and the additional insured endorsement with regard to completed operations......
900337-00
Business interruption from power outage
Because of the storm, my client is without power and will be unable to operate his business until it is restored. Will the Business Income......