Commercial Lines

According to a recent news story, a dozen or more people were injured by exploding propane tanks used for cooking on a food truck parked at the curb of a…

The ISO CGL policy includes real estate managers as insureds in the Who Is An Insured section. Why?

The ISO Commercial Property form, CP 00 10, requires that buildings and structures be described in order for coverage to attach. However, ISO’s Business Owner’s Policy only requires that the…

To determine whether a claim is covered, we usually start with the Insuring Agreement. If that’s triggered, we then look to the Exclusions to see if coverage for the claim…

An insured stores activated gift cards worth several million dollars in a warehouse. The commercial property insurer says they’re not covered because they’re “evidences of debt” and the same as…

Perhaps a large majority of all businesses are subject to data breach liability whereby someone steals or makes unauthorized use of personal or confidential information, often of customers. Such data…

Many mobile businesses today rely almost exclusively on the vehicle(s) used in the business. As a result, if a vehicle is put out of commission, the business can suffer a…

Some businesses may have substantial values in equipment that is used while attached to an auto. Can this be covered under the physical damage section of a Business Auto Policy…

Commercial insurers have increasingly incorporated provisions into their coverage forms and/or endorsements that can create significant coverage gaps when property is insured on a blanket basis. The use of a…

What happens when you combine restaurant operations with an auto exposure beyond the mere delivery or catering operation? Join Mike Edwards as he combines his two favorite subjects – insurance…