Commercial Lines

Test your knowledge of Commercial Property with this 10-question quiz.

Is the phrase, “…direct physical loss of or damage to…” ambiguous? Plaintiff attorneys are trying to convince courts that it is. Simply, it’s not, and this article explains why.

Replacement cost isn’t what the insured thinks it is, and it’s the industry’s fault. When we say “replacement cost,” insureds hear, “I’m getting new stuff for old.” Depending on the situation, that is not true. We have to build the property policy to get to what the insured thinks replacement cost is; we have to…

The employee decides to take his or her work “on the road” now that they are allowed to work from home – or anywhere. When the employee takes a “workcation” away from their residence, are any workers’ compensation issues created?

BOP policies are not “all that.” There are some gaps every agent must know and understand before settling on a BOP.

In a first of its kind case, a wife sues her husband’s employer alleging she contracted COVID from her husband as a result of the employer’s negligence leading to her husband contracting COVID. Confused? Don’t be. This may be the first nationally covered employers’ liability case.

With the availability of the COVID vaccine, many discussions revolve around the legality of an employer requiring a vaccine. If the employer is allowed to require the vaccine, what are the insurance implications if an employee gets ill or even dies as a result of the vaccine? Is there a policy that will respond?

Workers’ compensation coverage responds only to an injury or illness defined as occupational. To be occupational and compensable requires certain tests be satisfied. Three key tests must be satisfied before an injury qualifies as an occupational injury, but what about occupational illnesses? One additional test must be passed before an illness is judged occupational and…

Property underwriters analyze essentially the same information today as was reviewed 400 years ago. Although technology has changed, the basics of property underwriting has not changed. The four primary factors in property underwriting are Construction, Occupancy, Protection and Exposures (COPE). This article provides a brief overview of one piece of this puzzle – Protection.

Christmas Day 2020 saw Nashville, TN rocked by an explosion. Were these the acts of a terrorist? Might these acts trigger the terrorism exclusions?