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Commercial lines

290051-00

Loss run time frame
I need loss experience data on one of my commercial auto clients. How much time does a company have to provide this information?...

290081-00

Multi-state risk
We have a multi-state commercial risk. We do not think the insurer has provided the correct notice of the renewal premium....

290099-00

Employment practices liability insurance is a ’special risk’
We’d like to confirm whether employment practices liability is exempt from rate and form filings in New Jersey....

310513-00

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

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......