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.

Thermal damage to Vinyl Siding…Covered by an HO Policy?

A homeowner has his vinyl siding painted a darker color. Direct or reflected sunlight then causes the siding to warp. Does his HO policy cover this damage? If liable, does…

Row of colorful, red, yellow, blue, white, green painted residential townhouses, homes, houses with brick patio gardens in summer

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,…

04 February 2019 Townsville, Qld - Suburbs adjacent to Townsville's Ross River were flooded when two millions litres of water was released every second from the city's dam. Unprecedented rainfall in the week leading up to this event saw the dam's level rise to nearly 250% - Photo: Cameron Laird (Ph: 0418 238811 - cameron@cameronlaird.com)

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…

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

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…

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