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Commercial lines


Loss runs
What’s the requirement for companies to provide loss runs on request?...


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......


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......


Limits on claims-made forms
What types of risks may be written on a claims-made basis in Connecticut?...


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......


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......


Additional insured vs. additional named insured
Could you please clarify the difference between an additional insured and an additional named insured?...


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?...


Business interruption—’leader’ location
Have you ever heard of a coverage called “leader”? An adjuster suggested that our insured should have this....


Floor plan coverage
What can you tell me about “floor plan” insurance?...


Completed operations
If a general contractor’s contract with a subcontractor contains a hold-harmless agreement that includes “any and all claims”......


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......


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......


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......


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......


Deleting an additional insured
What would be the guidelines for deleting an additional insured from the policy?...


Completed operations liability
Could you please clarify the relationship between contractual liability and the additional insured endorsement with regard to completed operations......


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......