A dock is damaged by a covered peril but the carrier denies the claim, citing the “piers, wharves, docks” exclusion. You argue that his language applies to permanent docks, not portable docks like the one damaged. Who’s right and, if the insurer is correct, is there a solution for this coverage gap?
You insure a residential painting contractor. Many of his customers give him access to their homes when they are not around. What if he damages the premises while having sole access to the home? Does the ISO CGL policy’s “CCC” exclusion apply?
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A surveyor’s equipment was stolen while on a job site. The adjuster denied the claim under the CP 00 10 Property Off-premises coverage, citing the exclusion for such property while on a premises you “own, lease or operate,” and claiming the insured was “operating” on the premises. Is this a correct interpretation?
A commercial prospect rents space at a warehouse and his current agent tells him that the fire damage legal liability coverage on his CGL policy covers him there. The prospective agent believes that the CP 00 40 Legal Liability Coverage Form is superior. Who is right…or are both wrong?
The ISO PAP extends coverage to “temporary substitute” autos One question is what constitutes “temporary”? What if your car is in the shop for six weeks and you have a loaner…at what point does it become “furnished or available for your regular use” and excluded? Some auto policies have specific time limits but the ISO…
An upscale art and frame shop is insured on a BOP policy. The insured owns no autos, so there is no business auto policy. In addition, there is no hired and nonowned coverage under the BOP. While loading a heavy painting and frame into a customer’s car, the insured’s employee injures the customer and damages…
A prospect’s lease requires that the tenant (him) be responsible for only the heating and air conditioning system (HVAC) under a provision that the tenant “maintain, repair and replace” the system. So I need to be certain that my insured’s policy has coverage for the HVAC system. Would the tenant’s improvements and betterments coverage in…
Your insured leases (all or a part of) a building and the lease makes him responsible for damage to the HVAC equipment. The lease might also make him responsible for other real property beyond just the space he occupies. He has a BOP policy for his business personal property…does the FDLL coverage take care of…
Leaked fluids from a wreck of two vehicles were not properly cleaned up by a private firm. As a result, a motorcyclist was seriously injured when he slid through the oil slick. In the claim against the private firm, would this be a BAP or CGL exposure? Does the pollution exclusion in either policy apply?
