Commercial Lines

There is increasing interest in, and use of, drones for various business activities, from real estate agents to contractors. Unfortunately, there is little, if any, coverage under most CGL and…

Are you ever confused about whether a particular policy form is a pure ISO form, a modified version, or a proprietary insurer form? This article provides a three-test approach for…

The following is an article written by Tennessee Big “I” member (and the very first VU newsletter subscriber) Alan Johnson, CPCU, ARM-P, AIS, AINS about a recent Tennessee Court of…

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…

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…

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…

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…