Commercial Lines

Drones and the ISO CGL Policy

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…

Is It ISO or Is It Memorex Insurance Company?

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…

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…

wooden figurines of a family in a house drawn with white chalk and rain from a cloud. Real estate and family insurance concept. Natural disaster protection, copy space

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

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