Commercial Lines

Telephone Toll Fraud Coverage

Your computerized telephone system is hacked and the perpetrators ring up $500,000 in unauthorized toll charges. The claim is denied under the property policy, crime policy, and cyber policy. Is…

Thermal damage to Vinyl Siding…Covered by a CGL Policy?

A painter paints vinyl siding a darker color. When the newly painted vinyl siding is exposed to direct sunlight, the painted siding warps. Does the painter’s CGL policy respond to…

BROWSTOWN, MICHIGAN-SEPTEMBER 20, 2019: Condominium homes in an upscale Detroit suburb.

Coverage for Interior Damage Caused by Hail

A large hailstorm and heavy rain resulted in substantial interior damage to a commercial building. Apparently hail stones clogged up the drains, causing the water to back up into the…

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Food Truck Claim…BAP or CGL?

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…

Why Are Real Estate Managers CGL Insureds?

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

concept mockup of wooden house keyring with key, representing house loan, real estate, expenses financial data and business of tax money payment on owning property, on isolated yellow background

Does the ISO BOP Cover Undescribed Structures?

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…

The Importance of “Entirety of Contract”

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…

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Insuring Gift Cards – Commercial Lines

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…

ISO’s 2014 Data Breach Exclusion Endorsements

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…

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