Commercial Property Coverage for Public Water Main Breaks
In July 2015, on the campus of UCLA, a 30-inch water main had some sort of catastrophic failure, causing a massive geyser of water, estimated to be around 30-feet high,…
Commercial Lines
HO Dock Damage…Water or Wind?
A boat dock was damaged by boats blown in a windstorm. The adjuster has denied the claim, citing the “water damage” exclusion reference to water damage “whether or not driven…
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…
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?
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…
Squirrely Building Damage Claim
A squirrel entered a community center building that had just undergone a $2 million renovation. It either gnawed some wiring or otherwise came in contact with the electrical system, causing…
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…
Are ‘Mudslides’ Covered by HO or Flood Policies?
We are all aware of the human tragedy involved in the landslide which buried homes in Darrington, Washington in March 2014. From the perspective of our industry, the first question…
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…
