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Coverage issues
310480-00
‘Insuring’ cell phones
Are third-party representatives authorized to insure my clients’ phones?...
900260-00
DP-3—vacant property
On a DP-3 form, are there any exclusions that apply to the liability coverage, with respect to a vacant property? We understand the property......
900275-00
Flu outbreak coverage
Is there any type of insurance available that covers a business in the event of a widespread flu outbreak?...
900276-00
Condo mortgagee requests to be additional insured
We often receive requests from the unit owner of a condo that their mortgagee wants to be added as an additional insured on the condo......
900319-00
Coinsurance on a business income policy
What does the coinsurance value of 125% on a business policy mean?...
900323-00
ISO stated amount endorsement
According to the terms of the ISO Stated Amount personal or commercial auto endorsement, can a claims settlement be less than the stated amount......
900332-00
Additional Living Expenses coverage on a seasonal or secondary location
How does Additional Living Expense coverage react in the case where the loss occurs at a seasonal or secondary location?...
900439-00
Damage from riots
Is damage from riots covered on a businessowners or property coverage policy?...
900440-00
Business interruption—riots
Is there coverage for business interruption caused by rioting?...
900441-00
Business interruption—curfew
Will business interruption coverage apply to income losses resulting from the orders of curfew?...
900446-00
Vacancy vs. unoccupancy
Can you explain the difference between vacancy and unoccupancy?...