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Commercial lines

310006-00

Loss runs—insurance company requirements
Is there any N.Y. law relating to an insurer’s requirement to furnish loss runs?...

310020-00

Second notice—alternative renewal procedure
My insured on a commercial package policy got a conditional renewal notice saying that the new premium will probably exceed last year’s......

310059-00

Free Trade Zone protections
New York’s policyholder protections regarding cancellation, nonrenewal and advance notice of premium increases—do they apply to......

310063-00

Material misrepresentation—claim denial
Could a material misrepresentation on an application for a commercial policy be grounds for denying a claim presented under the policy?...

310100-00

Cancellation to inception date
Our client is a law firm. On the renewal application for their claims-made professional liability coverage, one of the partners failed to disclose......

310101-00

Ocean-marine policies
Are ocean-marine policies governed by any New York law that spells out cancellation procedures?...

310131-00

Hyperlimits excess liability policies
Changes are being made to the terms of a $10 million umbrella policy we sold. The client has not been notified of these changes by the company. I......

310217-00

Additional insureds—primary coverage
There was a New York court decision that interpreted all additional insureds to have primary coverage if coverage for the named insured was......

310268-00

Loss run data—how many years must be provided?
How many years’ worth of loss information must a commercial insurer provide upon request? Can a prospective insurer ask for more information......

310269-00

New York premium audit time frames
We are moving a commercial policy to a new carrier. Suddenly the old carrier wants six years’ worth of records from the insureds so they can......

310270-00

Equipment for apartment building breakdown
Should a standard six-story apartment building in New York have a need to purchase comprehensive equipment breakdown boiler insurance? We......

310286-00

Loss runs—charging fees
A company sent a notice of conditional renewal to our commercial client. The notice included the client’s right to get loss runs, but said......

310330-00

Commercial-lines midterm premium increase
What are the rules for increasing the premium on a commercial-lines policy during the policy term?...

310331-00

Nonpayment cancellation (audit payment)
Can a commercial-lines policy be cancelled for nonpayment of the prior year’s unpaid audit premium?...

310332-00

Offsetting premium owed by withholding from a claims payment
May a company reduce a claim payment by the amount of premium owed on the policy?...

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?...

900073-00

Additional insured vs. additional named insured
Please clarify the difference between an additional insured and an additional named insured....

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......