VU Resources

Property

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Others

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Perils

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The Theft “Inventory Shortage” Exclusion

The Special Causes of Loss form (and most crime forms) excludes losses “where the only evidence of the loss or damage is a shortage disclosed on taking inventory.” In other…

Exclusions

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Weather and Off-Premises Power Failure

A 17-store chain of restaurants were shut down recently by Hurricane Charley. Direct property damage was actually minor at all locations; however, an area-wide power outage resulted in several of…

The “Wear & Tear” Exclusion

If the volume of “Ask an Expert” questions we get is any indication, the “wear and tear” exclusion in auto and property policies–both personal and commercial lines–is one of the…

House choice and real estate concepts, original 3d rendering

Leasehold Interest Insurance

A not-for-profit company leases a building from the state for $10 per year. The state self-insures this 50 year old building. If there is a loss to the building, the…

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