...

Are scanned documents admissible in court?...

...

...

One of the companies I represent just confronted me with a nine-year loss ratio and asked me to voluntarily terminate my contract with them. They say...

What rights do I have when an insurer wants to terminate my contract with them?...

Can a company terminate an agency solely due to volume?...

Our agency contract to write business for a fire insurance company was terminated by the insurer for lack of production. At the time...

Can an insurance company cite adverse underwriting experience as a reason to terminate my agency agreement?...

We have an insured who was in an auto accident. The carrier wants to make the repair with aftermarket parts. Our client is very upset with this and wa...

We've run into a situation in which the claimant and the insurer just can't agree on a settlement for a collision loss. Where can we...

Is it true that a DUI (driving under the influence) conviction stays on a driver's record for 10 years?...

Can an auto insurer increase the premium when a child obtains a learner's permit?...

We have been asked to issue a certificate of insurance for a trucker who sometimes operates in Quebec, regarding coverage that the province require...

We insure a social-service agency. Their employees transport children who reside at their facility. The...

...

My client has two cars insured on a personal automobile policy. His son is away at college, so the two vehicles have been adequate for him and his wif...

While my insured was out riding his bike, he hit and damaged a car. Which policy pays—his auto or his homeowners?...

In Connecticut, can a personal auto insurer impose a surcharge midterm? In this case, the insurer discovered a DWI against the daughter, whose vehicle...

My insured is renting a van for a business trip. Does he have liability and physical damage coverage under his personal auto policy?...

Can an insured choose where to have repairs made for auto physical damage?...

My clients insure a vehicle, used by their son at college, on a personal auto policy. The parents are planning to leave the country for two years....

My insured was driving his pickup when he was forced to stop...

Could you clarify what the Joint Ownership Coverage (PP 03 34) endorsement to the ISO Personal Auto Policy is designed to do?...

In an auto physical damage claim, the insurer wants to use nonoriginal equipment manufacturer parts and the claimant does not want them. So, the compa...

Our insured's vehicle was hit while parked. We reported the loss to the negligent party's carrier to collect on a third-party basis. The company co...

If an insured has an auto policy written with Symbol 7 for comprehensive coverage in the ISO Business Auto Coverage Form (10/01), a comprehensive loss...

I recently read about a new Florida law (Section 627.7263, amended by c. 95-157) that allows the rental company to make a renter's Personal Auto Po...

As a car is driving down the highway behind a truck, something flies off the truck. The car can't avoid...

How can auto insurance companies discriminate and charge different rates for credit, age, gender, etc.? Is that really legal?...

I have two insureds that have pickup trucks insured under a business auto policy in their business name...

Did the auto insurance reforms totally eliminate Basic Reparations Benefits (BRB) as a coverage?...

What is the Connecticut state law on comparative negligence?...

In Connecticut, can a parent sue a child for injuries caused by negligent operation of a motor vehicle?...

The Pennsylvania PIP benefits appear to be very similar to New York where the PIP benefits follow the car. Please confirm....

A client that has a personal automobile policy that includes New Jersey personal injury protection borrows a pickup truck that is owned by a corporati...

Our clients' bank is increasing their flood insurance requirement from $185,000 to $250,000. The clients recently took out a second...

I have a bank requesting a 'severability of interest endorsement' on a general liability policy for a co-op building. We are seeing this more often fr...

Our client received his FEMA claim check and when he attempte...

I had a company contact me about a requirement that it says applies to one of our insureds, to carry $500,000 for fiduciary liability. I had never hea...

One of my clients has asked to have a meeting about his bond requirements. He is not a contractor. What kind of bonds could he need and what do I need...

...

One of my companies sends out nonpayment cancellation notices before the premium is due, as part of its billings. This is very confusing to our custom...

We have an auto insurance customer who paid his renewal premium with a check that bounced. When the company finally figured out the check had bounced,...

What information must accompany nonrenewal and cancellation notices if the reason for the company action is losses?...

Can an auditable policy be canceled for nonpayment of the audit premium due on a prior year's policy?...

A premium-financed policy was canceled and the insurer imposed a short-rate penalty. We thought the insurer could not do that, if canceled by someone...

My insured’s policy was recently renewed, but with a new exclusion, an increase in the deductible and lowered coverage. Can the company do this? Don’t...

In Connecticut...

I did a friend a favor by advancing the annual renewal premiu...

...

When a client decides to change from one policy to another—firing the old agent and hiring a new agent—which agent should complete...

Is a company required to cancel flat when the policyholder presents evidence that another policy was obtained for the same risk, and became effective...

After two years of a policy being in force, can an insured request to back date cancellation two years. The insured has stated he has a duplicate poli...

In Connecticut, must the certificate holder be notified if the policy is canceled?...

We have frequent requests to strike the "will endeavor ..." language with extended notification periods. What is your position on this? We refuse to d...

We frequently are asked to issue a certificate of insurance for contractors. If there are excluded operations (roofing, for example), should these be...

Suppose a certificate holder requests additional insured coverage on the business auto policy, as well as the general liability policy. Can I just sta...

Will there be a need to amend any wording on the certificate of insurance in response to the new additional insured endorsements?...

If “primary” coverage is already built into most subcontractors’ general liability policies, why won’t their insurance carriers allow us to add “prima...

When issuing a certificate of insurance, how much information about the insured’s coverages do we need to list on the certificate? For example, their...

Many of my clients are subcontractors, and are being requested by the general contractor to have certificates of insurance that sometime go beyond the...

If we indicate that a contractor is an additional insured on a certificate of insurance and there is a blanket additional insured endorsement on the p...

We received a certificate of insurance with the following statement stamped on the back page:...

In these economic times, we have a number of clients looking to reduce their umbrella limit on a midter...

Please give some insight as to how to respond to and protect our insureds when a carrier sends a reservation of rights letter on a claim....

My client was involved in an automobile accident that was the complete fault of the other party. He has received a letter from the adjuster of the oth...

My client had someone get injured on his property that initially resulted in a $1,500 reserve being placed on his commercial general liability policy....

Are commercial vehicles—for example, a fleet of private passenger-type autos—subject to the uninsured motorist detection program?...

Under the Business Auto Policy (BAP), could you discuss the difference between using Symbol 1, as compared to Symbols 7, 8 and 9, to indicate whether...

Will a business auto policy (BAP) cover a named insured under a personal auto policy, if the BAP covers autos with a Symbol 1 and if the named insured...

My insured submitted a claim on a commercial auto policy. The insured doesn’t have a personal auto policy, because all of their four cars are corporat...

If an employee with a furnished auto needs to obtain a temporary substitute auto, will that situation be covered under the Business Auto Policy (BAP)?...

An antique auto insured under a Business Auto Policy was stolen. The amount the insurer offered was less than the stated value. Is this correct?...

An employee of our commercial auto policyholder had an accident in his personal vehicle. Our policyholder has two policies through t...

I was wondering what coverage issues arise when I permit a valet parking attendant to drive my vehicle. If there is an accident, how will my policy...

When using ISO form CA 02 40—Suspension of Cover...

On a business auto policy, if a customer borrows a motorcycle that is owned by a corporation (named ins...

...

I have a commercial insurance client who has recently co-leas...

A prospective board member of a church I insure has expressed concern about his potential liability as a director. What is the law on this?...

What is the Connecticut statute I can refer my nonprofit director and officer customers to regarding volunteer immunity?...

I am concerned about the coverage afforded by the commercial general liability policy (CGL) for foreign liability situations. My insured does business...

We are getting conflicting opinions from various sources regarding coverage under the Commercial General Liability (CGL) coverage form. Specifically,...

Does the Commercial General Liability Policy (CGL) cover new locations and operations of an insured automatically? Is coverage limited to the classifi...

We insure a beauty salon under a Commercial General Liability Policy. One day, robbers walked in and took a $10,000 ring worn by one of the salon's cl...

What is the proper use of the Additional Insured – Controlling Interest (CG 20 05) endorsement?...

Our insured has been charged with patent infringement. Will this be covered under Coverage B of the ISO Commercial General Liability Coverage Form?...

We'd like an interpretation of Coverage B—Personal and Advertising Injury Liability of the ISO Commercial General Liability Coverage...

We have an insured who signed a contract to defend, hold harmless and indemnify a client for any liability actions, including action...

We have an insured with an ISO Commercial General Liability (CGL) occurrence policy. The insured is a steel fabricator and erector who does some weldi...

Can a commercial general liability policy insured waive subrogation in a separate contract without impacting coverage under the policy?...

One of our clients is leasing a warehouse facility. The terms of the lease have insurance requirements that include "Civil Assault and Battery" covera...

What can and can't a company require by way of business records in connection with a premium audit? Our company wants to see copies...

I'm confused by the various triggers for coverage used on an Insurance Services Office Inc. (ISO) Claims-Made Commercial General Lia...

Our insured was installing a sign for a business when the sign slipped. The sign scraped a wall going down, causing $12,000 worth of damage. How wo...

We insure a day camp for children. The insurance company denies that the Medical Payments coverage under the Insurance Services Office Inc. (ISO) Comm...

Our insured is involved in a thi...

My tenant client has an ISO Commercial General Liability Coverage Form (CG 00 01 10 01) and a proprietary blanket additional insured endorsement. Do t...

Could you provide a definition of "fire legal liability" with respect to a Commercial General Liability Policy (CGL)? Our insureds are asking what it...

We write a Commercial General Liability (CGL) policy for a contractor with a $500,000 liability limit. He engaged a subcontractor wi...

Does adding someone as an additional insured automatically preclude coverage for the additional insured when the named insured’s personal property is...

When contractors go out of business, we always recommend they buy "discontinued operations liability coverage," i.e., for products completed operation...

My client is a carpet cleaner, who goes to locations to clean carpets. We have submitted a claim for a carpet which was damaged by his cleaning. The c...

I have a general liability policy that the date of inception was November 2003. At that time we supplied the insurance carrier with all named insureds...

From a coverage standpoint is it better to rely on the silence of a Commercial General Liability Policy for professional coverage if it is not exclude...

I was doing a little research and I see that the 2007 edition of the ISO Commercial General Liability C...

We were recently informed that the blanket ISO endorsement CG 20 33 is not really a blanket additional insured endorsement at all and that it only cov...

What's the requirement for companies to provide loss runs on request?...

We have a commercial renewal due the first of next month; it is now 15 days until the renewal date. At this point we have heard nothing from the compa...

A general liability policy we sold was canceled for nonpayment, but our client says that t...

What types of risks may be written on a claims-made basis in Connecticut?...

A client's commercial auto premium jumped from $12,000 to $19,000 at renewal. The company did not notify the client until about 30 d...

A professional liability policy is being switched from one company to another in the same insurer group. In the process, the company is making signifi...

We insure a senior residence that was damaged. The residents had to be housed at another location at a cost exceeding the rental value of the residenc...

Would a flood trigger business interruption coverage?...

Under the Business Income Coverage (BIC) form, how do we help a client decide between insuring ordinary...

Please clarify the difference between an additional insured and an additional named insured....

Have you ever heard of a coverage called "leader"? An adjuster suggested that our insured should have this....

What can you tell me about "floor plan" insurance?...

If a general contractor’s contract with a subcontractor contains a hold-harmless agreement that includes “any and all claims” (there is no restriction...

We'd like to know what the insured's obligation is to the insurance company for premiums if the insured goes through Chapter 11 bank...

A gas station with a package policy sustained a loss when a power surge shorted their computer equipment. It turned out that a tree limb on the premis...

Suppose that more than one company under common ownership was insured under a commercial package policy and the company that was listed as the first n...

We have an insured with an umbrella policy for $4 million in coverage, over a $1 million primary policy. If the carrier providing the underlying polic...

Our insured's car was hit when another driver ran a stop sign. The police report and a witness' stateme...

What would be the guidelines for deleting an additional insured from the policy?...

Please clarify the relationship between contractual liability and the additional insured endorsement with regard to completed operations coverage....

Could you explain the changes in the Amendment of Insured Contract Definition (CG 24 26) endorsement?...

In view of the fact that ISO's revised additional insured endorsements exclude the sole negligence of the additional insured, is it correct to say tha...

Are Risk Retention Groups subject to states' insurance laws and regulations regarding cancellation, nonrenewal and other policyholder protections?...

...

What is the law regarding the broad evidence rule and actual cash value in Connecticut?...

Under the ISO...

We have an insured, a tenant written with a Commercial Package Policy (CPP) (special form). A large fire started with a lamp in the tenant's area. The...

We need your interpretation of an ISO Commercial Property Insurance form (CP 00 10), with respect to th...

We have a claims dispute over a commercial property loss. The building owner submitted a claim for an incident in which a pipe burst underground, resu...

If a carrier adopts a change to a commercial property policy that broadens coverage, when does the change affect in-force policies?...

Lightning hit an electric line leading to an air-conditioning unit on the roof of a building. The unit was damaged. The company claims Exclusion 2.a....

We have a pet shop insuring its p...

At an E&O seminar I attended, the instructor mentioned the "functional replacement cost" endorsement. Could you explain the use of this endorsemen...

My client leases space but owns and operates a large medical-imaging machine, valued at about $900,000, which is installed at his leased premises. I q...

We insure a manufacturer under a Commercial Property Policy (CPP). The manufacturer invoiced his customer on March 31 for $200,000 in stock, with an a...

I just ran into a new term. Could you tell me what a "liquidated damage clause" is? This involves an alarm company contract. The alarm company wants o...

The new property form now includes building glass coverage. Is it accurate that there is no way to buy back the deductible or eliminate the per-p...

I place coverage for many clients that pay a considerable amount of money to make improvements in the buildings they lease in order to accommodate the...

We recently received a denial on a commercial property claim for wind damage to a gate, which is perman...

My question is whether the definition of “your business personal property” in ISO form CP 00 10 include...

We have had a claim denied where our insured owns a commercial property. The central alarm system alerted the local volunteer fire department to the s...

I own an agency, and one of our producers recently passed away. This producer is still owed commission payments. What do we do with these payments?&nb...

Do I have undisputed ownership of my expiration information, regardless of what my agency agreement says?...

I'd like to have some of my key employees sign noncompete agreements. Is an agreement extending five years past employment too long?...

...

Could you give us a brief refresher course on subrogation receipts and what it means when our insured signs one?...

I just found out, after speaking with my underwriter that they suspended my binding authority upon completion of the development of the change that I...

What is the propriety of a company asking our agency to share with it information about the business we write with other companies?...

Quite often, when a carrier updates their website there appears to be a contract or agreement that we must accept before advancing in their Web site....

...

...

I’ve recently run into a couple of condominium improvement and betterment losses and it’s a little confusing. In both cases, the insurer gets a copy o...

We have a carrier that has change...

On a DP-3 form, are there any exclusions that apply to the liability coverage, with respect to a vacant property? We understand the property coverage...

An insured contacted us to let us know of the purchase of a new vehicle and that he was trading in the old one shortly? Our insured also informed us t...

Is there any type of insurance available that covers a business in the event of a widespread flu outbreak?...

We often receive requests from the unit owner of a condo that their mortgagee wants to be added as an additional insured on the condo association's po...

While backing up, I ran into the garage door we just installed. Do I submit the claim to our auto or homeowners insurance carrier?...

Could an insurer deny a homeowners policy claim for damage caused by a condition in improvements made to the home for which the homeowner neglected...

...

What does the coinsurance value of 125 percent on a business policy mean?...

...

...

How does Additional Living Expense coverage react in the case where the loss occurs at a seasonal or secondary location?...

What is the Connecticut Insurance Department's stance on credit scoring?...

An insurer uses a policyholder's credit information in rating personal auto or homeowners insurance. How often (in the absence of a request by the pol...

...

We insure a business that is a one-person corporation. He will be working in North Carolina for awhile. Does North Carolina have a statutory disabilit...

We have a client based in New Jersey. The company has six employees working out of their home i...

Can I fulfill Connecticut's continuing education requirements with online self-study courses?...

Do I need special training to sell long-term care insurance?...

In comparing employment practices liability policies, I have noted references to the federal Workers' Adjustment and Retraining Noti...

...

Our agency always has sent out a letter to insureds when we get a copy of a cancellation notice from a carrier reminding the insured that the premi...

I am selling my book of business to another agency and will be working for them under their name. What is my liability if a claim should arise on a po...

I was competing with another broker for a commercial risk. My quote was with an authorized insurer. The other broker quoted a lower premium from an...

In Connecticut when a carrier is going to substantially change the terms of coverage (i.e., adding an exclusion) to my knowledge they are required to...

In Connecticut when a carrier is going to substantially change the terms of coverage (i.e., adding an exclusion) to my knowledge they are required to...

How can we get better coverage for sewer backup? Is it covered under the flood policy?...

What is the NFIP Community Rating System?...

What is the difference between the WYO flood program and that offered by the National Flood Insurance Program? Are private insurance carriers insuring...

Is federal flood coverage available for commercial property?...

My client’s car was damaged in the hurricane. Specifically, it was caught in a flood and was inundated with water. What should the client expect for i...

My client has just experienced a loss due to a flood. Is there a time constraint when they must notify the carrier of their loss?...

What is the difference in coverage if water backs up through a drain or sewer due to heavy rainfall, such as a hurricane, and water that backs up due...

One of our insureds has a homeowners policy and a flood policy and suffered a total loss. On the homeowners policy, the carrier is not allowing use of...

Under the NFIP Flood Insurance Policy, what items are covered in the basement of the dwelling?...

With regard to flood insurance, would there be coverage for property to include finished basements, decks or wa...

What happens in the event a building sustains substantial damage from a flood, and the inhabitants are required to meet certain building requirements...

Will the NFIP Flood policy cover storm damage to a seawall or...

...

My homeowner clients who have suffered only flood damage are...

...

...

...

Is mold covered by my National Fl...

...

...

Recently, I have been getting a lot of differing information on the National Flood Insurance Program flood policies. I heard that the NFIP policy does...

In response to the recent fraudulent acts committed by Wall Street profiteer Bernard Madoff, it appears that some investment advisors/brokers are tell...

Regarding garage liability for auto dealers—what is "unlimited customer liability coverage"?...

I have a client who operates a garage where they service all different kinds of vehicles, from family cars to trucks, ATVs and even forklifts. If any...

Our client is seeking coverage under a garagekeepers liability policy for a valet parking operation at a country club. The operation will use a lot th...

Our client, a business that installs car radios, has a garage policy which includes garagekeepers coverage. One night, he gave an em...

I have a client who operates a garage where they service all different kinds of vehicles, from family cars to trucks, ATVs and even forklifts. If any...

I have an admitted market for a hard-to-place line. In my advertising, I would like to call attention to the protection afforded by Connecticut's Guar...

What limits of protection will be available from the state guaranty association on a $1 million life insurance policy?  ...

Can a health insurer cancel my contract without advance notice?...

What is the law regarding open enrollment and pre-existing condition limitations for individual health insurance contracts in Connecticut?...

Which employers are subject to COBRA rules? How long does COBRA entitlement last?...

We are trying to help a client with a health claim. The family is insured under a self-insured health trust based in Pennsylvania, e...

One of our insureds has a New Jersey individual health insurance policy. He has a pre-existing condition. He is considering moving to another state. D...

Does a homeowners association (not a condo or co-op association) have an insurable interest in a free-standing house owned by one of its members? The...

Does a cooperative owner need Coverage A if they are just a shareholder?...

If a condo association insures common property only for broad-form perils, how could the unit owner be protected for assessments made for damage cause...

Has Connecticut approved any endorsements affecting limits for insurance that would respond to leaks involving homeowners’ underground heating oil tan...

Does a payment made for a loss to scheduled property reduce the Coverage C limit available under an ISO Homeowners Policy?...

Does the recent law prohibiting homeowners insurers from refusing to issue or renew a policy solely due to lack of permanent storm shutters apply...

If a condo unit owner owns what is described as a "box of air," why is Coverage A needed for a "box of air"?...

How can the executor of an estate be covered under homeowners...

My insureds are renting a Girl Scout Lodge to give a dinner party with about 30 people. It's a strictly social occasion. They want to know whether the...

My insured owns his residence, which we insure with a homeowners policy. He also owns, in common with his brother, another house which they rent out (...

I recently received a marketing newsletter that implied that horses are not covered for liability under a homeowners policy if they are away from the...

Do I really have to see the insurance requirements in the association bylaws? Can't I just call and ask a condo association representative?...

My insured has been sent to a nursing home, and it looks like he will be there several months. Will thi...

My insured’s car was hit and damaged by a bicyclist. To which policy—household auto or homeowners—should my insured look to recover for the damage cau...

In reviewing the HO 00 06, the question has come up whether or not an HO 00 06 policy with an HO 17 33 endorsement would cover furniture that is rente...

A tree fell onto my insured’s property as a result of the wind. His policy will cover the removal of the tree under the additional debris removal cove...

What is "vacant land" as referred to in the homeowners policy? This is important, because vacant land is automatically covered as an "insured location...

There was a $20,000 property loss at one unit of a condominium and the association policy has a $25,000 deductible. The association now wants the u...

My customer lives in a trailer park and owns a golf cart. Will his homeowners policy cover him while using the golf cart to visit his neighbors in the...

Because of weakness caused by termites, a tree fell from a neighbor's yard onto our insured's home. Should our insured make a liability claim against...

I have a homeowners client who is going to Europe to attend medical school. While he is gone, his cousin will occupy the home. Are there any coverage...

I have been asked to insure a home that was left to three adult children in their father's will but is to be occupied by their mother under a life est...

Has there been a change in homeowners coverage for trees that are blown down but don't land on a structure? We think we saw something to this effec...

This question concerns a homeowners policy. A brother had leased a home to his sister for life. The home burned and the sister was killed. The brother...

Our insured owns a two-family home. She lives in one apartment most of th...

My homeowners client, with a home that was built in 1893, is on a guaranteed replacement cost policy. Over the past four years, the company has re-app...

My insured has purchased a time share in a condominium and wants to add this premises to his homeowners policy. The underwriter says no. Could you exp...

My customer's home was extensively damaged by fire while covered under an HO-3 homeowners form. Repairs have commenced while the insured is living at...

If a homeowner hires a general contractor to renovate or build a home, what is the appropriate additional insured endorsement that the general contrac...

Why do I need to know the statutory requirements for condominiums?...

Is a debit card treated the same as a credit card with respect to the homeowners policy "Additional coverages," Item 6, "Credit card, electr...

We insure a young couple who are living in a home purchased for them by their parents. The home is titled in the parents' names, but...

We have an insured who has set up an office in her detached garage (she is a Mary Kay salesperson). Mary Kay is providing insurance...

We have an insured with an HO-3 policy. He is planning to have a "carnival" for kids in his large side yard. He plans to invite sele...

We're wondering just how to interpret the Business Pursuits (HO-71) endorsement. What additional protection could this endorsement giv...

In the HO-3 policy, is there coverage for a baseball card collection? Our insured has a collection that is valued at about $35,000 a...

Our client had a homeowners claim involving a break-in. The $855 loss included $800 in cash stolen and $85 to repair the window. The policy was writte...

We have clients who are getting a divorce. Their home is in the wife's name only. However, the wife has moved out while the husband...

Do the ISO dwelling policy forms (DP-1, DP-2 or DP-3) provide the same $500 additional coverage for tree removal as the ISO homeowners forms do?...

Our client has purchased an HO-2 policy on his home. He could not keep up with his mortgage payments, so the bank proceeded to foreclose on the loan a...

My homeowner client had a five-inch thick and two-by-three-foot cement slab in front of his fireplace. The whole thing suddenly fell into the basement...

Our client is a woman who is divorced but continues to live in a house owned by her ex-husband. Can we write an HO-3 policy for her?...

We want to insure the owner of some row houses. Does the liability portion of an HO-4 policy cover a person who owns and occupies a one-, two-, three-...

We deal with a lot of condominium associations and HO-6 policies. We see more and more condo associations executing agreements that state they will no...

We had an insured who was driving along a major...

Our insured's motorcycle was parked on the street. Somebody stole helmets, gloves and tools from the cycle. We put a claim into the...

A family's dog accidentally knocked a can of oil into their swimming pool. The oil caused major damage to the liner, lines, pump and...

Our client has an HO-3 policy. A tree fell on power lines leading to their house, which caused a power...

Is an above-ground pool covered on the homeowners policy under Coverage B—Other Structures, or Coverage C—Personal Property? I've be...

Our insured's mother came to visit, planning to stay for a month or maybe longer. The mother slipped and fell. How long would the mo...

Our homeowners clients have a detached garage with an apartment above it where their son lives. Will the son have the same coverage as the parents reg...

Our insureds left their car parked on a street during a period of significant rainfall. Water in the street got so high that it damaged personal co...

My homeowners policyholder has a sewer that runs across a neighbor's property to connect with the main. He has an easement that auth...

If a tenant of the insured's residence causes water damage to the home, can the homeowners insurer subrogate against the tenant for...

Our insured is moving from an apartment (which she is still responsible for under her lease until the 31st of the month) into an assisted living apart...

Will the HO-4 policy purchased by a tenant cover the landlord's furnishings in a rented dwelling?...

If our clients sell their home and make an agreement with the buyers to continue living there for two months, paying rent, would we need to change the...

My homeowners clients are planning to vacation out of the country. Does their homeowners coverage apply worldwide?...

A condominium association has experienced a property loss for which there may not be adequate insurance coverage. An assessment to unit owners has not...

Are the insurance requirements always located in the association bylaws?...

Are fences owned and installed by the unit owner insured on a replacement-cost basis? What will be the Coverage A limit if none is specified on the ap...

Should the unit owner purchase earthquake and flood coverage?...

Why won't a high loss assessment limit cover an assessment for a large deductible on the association policy?...

Will an umbrella policy cover loss assessments?...

How much ordinance or law coverage should be purchased on a unit-owners (HO-6) policy?...

My client has an HO-6 policy—named perils for structures and contents. I'd like to offer the Unit Owners Coverage A Special Coverages (HO 17 32) endor...

Does anyone have some good examples of what would be covered under a homeowners policy with an HO 00 15 form that would NOT be covered without this?...

I have an insured whose toilet backed up during flooding conditions in our area. There was no surface water, just the water backing up through the tol...

Is there any coverage provided under the HO-3 for damage to an underground water pipe connection from the town/city water line to the home if the pipe...

I have an attorney that is requiring a binder before he can give a closing date. No coverage has been bound because the insured does not own the prope...

I have an insured who owns an all-terrain vehicle that is being used as a utility vehicle on their property (three acres with a barn and horses). How...

Does the named insured need to obtain an HO-4 policy for a temporary residence for contents, while her home that was destroyed by fire is being repair...

In an ISO HO-3 policy under Coverage C special limits of liability #5, it states a sublimit of $1,000 for loss by theft of jewelry, watches, furs, etc...

My client has asked if his wine collection, valued at $300,000, would be covered under his HO-3 policy. I’m not sure if this would be covered under Co...

I am writing a California condominium unit owners policy. The insured is not interested in earthquake coverage on his contents; however, because the a...

We have insureds refinancing their homes and the mortgagee is requesting a binder prior to setting the closing date. We could change the mortgagee on...

I have a homeowners insured and their neighbor has a dead tree on their property that is leaning toward the insured's home. The insured has contacted...

We have an insured who owns two condo apartments in the same building. Both are for his use. One is his primary residence and the other he uses every...

We have a client who is building a new house on a vacant lot he owns. He currently is renting and has an HO-4 policy. We asked the carrier if this HO-...

An insured suffered a covered swimming pool loss where the liner had to be replaced. Of course, to get to the liner, the water had to be drained. Ther...

I have a client who is buying a house directly in front of another house. The other homeowner must travel about 10 feet on the client’s driveway to...

If a tenant provides all of the maintenance and upkeep on a home he is renting and, in return, the owner of the home provides a discounted rent, is th...

A client just completed a $25,000 basement refinishing project. They are looking to make sure they have adequate coverage for it. Aside from flood...

Would a homeowners policy provide coverage in the event an insured is accused of cyber-bullying?...

Do you have any resource documents showing why to insure a home for reconstruction replacement cost vs. the market value or the differences between th...

Could you explain some of the differences between the HO-2 and HO-3 forms?...

An insured called to ask if they have coverage for renting a boat for one week at a l...

Is there coverage under the homeowners policy when water backs up into an insured home, due to the overflow or the incapacity of the sewer system to h...

Where do I find coverage for rainwater that gets into a home due to wind damage to the structure?...

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What if my house is unoccupied due to the storm, and a fire or any other type of loss happens—will I st...

I have a homeo...

I heard that I...

Could you review the law requiring commercial vehicles to have insurance I.D. cards?...

Can private-passenger fleet insurance I.D. cards be designate...

We are having problems with our local DMV office accepting laser-printed I.D. cards rather than typed versions. Is there any rule stating they must ac...

It seems like each branch of the DMV has a different set of requirements for insurance I.D. cards. For example, I worked with a local branch that want...

How do we get Canadian insurance identification cards?...

I contacted ChoicePoint/Lexis Nexis Insurance Exchange to pull an MVR for a client, but was told that I needed to have a “sponsoring company” bef...

We insure a publisher who is sending out copy by auto for layout off-premises. If the copy were damaged in transit, the publisher could suffer a major...

I keep hearing about Real Time and comparative rating; but, I’m unsure what each of these terms really means and how they differ. Could you please exp...

I have a client that is asking for cyber coverage. What is cyber coverage?...

Who is responsible to deliver the premium billing notice for policy renewals?...

Along with their homeowners insurance policy, a company included a discount coupon from a company that sells alarm systems. Would this be a form of re...

One of the insurers we represent is withdrawing from Connecticut, although it has not terminated our agency contract. Now it has started sending out n...

Does Connecticut have any laws concerning the issue of whether an insurance agent may accept premium payments through the use of credit cards?...

What are the rules governing sexual harassment affecting Connecticut business. Could you explain them?...

How does Connecticut...

What are the rules governing mass-marketing programs in Connecticut?...

How are punitive damages treated in Connecticut?...

What can you tell me about rebates in Connecticut?...

Can an insurance agent pay a referral fee to an unlicensed person?...

Are SR-22 forms still mandatory?...

Is there a time frame when a company has to advise an insured that they are subrogating and is there a time limit on filing the subrogation action? We...

My insured currently has a package policy covering multiple commercial buildings and is in the process of buying an additional building. I added...

What is the process in Connecticut...

I’ve heard that in Connecticut...

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I would like a clarification of the Family and Medical Leave Act of 1993. Who pays for the employee’s medical coverage if the employee takes a leave u...

I think I saw something about a new law that lets insurance agents provide investment advice in connection with 401(k) plans. Can you give me the deta...

Can PIA provide me with some information on captive insurance companies?...

When the property policy speaks of waiving "your rights," doesn't it ultimately mean a waiver of the insurer's rights?...

Does a company using C.L.U.E. (Comprehensive Loss Underwriting Exchange), a data bank maintained by LexisNexis] have to release a copy of the C.L...

What is a "cut through"? If an insurance company becomes insolvent, are the company's reinsurers responsible to pay claims against it, whether or n...

We have a client who is involved in a dispute with an insurance company over pollution coverage. The issue involves an old policy; o...

How do we get OSHA log forms? What forms are needed?...

In a settlement agreement we saw recently, the company consented to a "reformation" of its policy. Specifically, the company stated that its renewal p...

My client, ABC Swim Club, has a commercial general liability policy with Small Insurance Co. ABC had a swim meet at, XYZ Swim Club who has a commercia...

How does the subcontractor's Commercial General Liability Policy respond to third-party-over actions when that policy is endorsed to waive subrogation...

If our insured is contractually required to name the other party as an additional insured on his policy, wouldn't the request to also attach the Wa...

We have been asked by a client to provide a W-9 Form. What is this and why does the client need it?...

Do the Gramm-Leach-Bliley Act (GLBA) privacy rules that restrict the disclosure of nonpublic financial information prohibit me from sharing or disclos...

In Circular Letter 335, Massachusetts now requires a new Form 154 to be utilized by businesses domiciled in other states but operating in Massachus...

I just passed the Connecticut licensing exam? Can I start selling insurance now?...

Could PIACT research the relationship of subproducers to wholesalers and whether subproducers need to get agency appointments?...

What are the rules in Connecticut regarding the licensing of telemarketers? If we employ someone who only solicits expiration dates, does that person...

I currently am licensed as a property/casualty producer. Someone has asked me to act as a consultant, on a one-time basis, to review his...

Does the Connecticut Insurance Department have a procedure by which they reinstate a revoked insurance producer license?...

I just got my...

We have a company asking us to sign an authorization to do a criminal background check. The company says it is required by law to do them. Further, th...

I plan on moving to Florida but would like to stay active selling insurance. What do I need to do to become licensed there?...

Do I need to be licensed in every state where one of my commercial clients has a location? I am license...

I'm an agency owner and listed as the responsible producer for my agency, and hold a valid property/casualty license. Why won't the National Insurance...

I understood that my agent/broker/producer license gives me the authority to sell, negotiate and solicit insurance across my entire state. However, I...

What steps must I take to become licensed to sell insurance in Canada?...

I work for an agency that operates under a business-entity license. I have the opportunity to handle an...

If I must give up my New York and New Jersey resident licenses, how can I have branch or home offices in the three [Florida] states?...

What does Connecticut's Dram Shop Act say? Does it cap the seller's liability?...

We have an insured which is a fraternal organization. Its liquor legal liability policy, endorsed with form CG 28 57, provides them...

We have a homeowners client. His son is getting married, and...

Can you explain the effect of ISO form CG 21 51 for host liquor liability on commercial general liabili...

One of my homeowners clients hires a friend five or six times a year to serve drinks at parties that my client gives in his home. The parties are soci...

What are the details on the mandatory medical malpractice requirements in Connecticut?...

We received a call from a client who works as a secretary in a doctor's office. She heard about someone in a similar job who had bee...

Could you provide some guidance on how to suspend coverage on a registered vehicle while it is not being driven? In view of the uninsured motorist det...

Where does it say that the personal auto policy is primary when someone is test driving a car?...

Under the new program to detect uninsured motorists, will my insureds be subject to penalties if they suspend coverage on a vehicle?...

Will our insured be covered under a personal auto policy while pulling a trailer which is owned and insured separately (including Part D—Physical Dama...

We represent an insurer that surcharges for the first accident. I thought they could not surcharge the first accident. What is the rule on this?...

We insure a family where the son, age 24, lives with his parents and has his own personal auto policy. If the son is involved in an...

We have an insured who is a salesman for a recreational vehicle dealer. Occasionally, he will take one of the campers, hook it up to his own truck...

How can insurers exclude a specific driver from a private passenger auto policy?...

My client has a personal auto policy. He also owns a business. About two or three times a year, he hauls boats that are connected with his business. W...

Our client has a youthful operator residing in their household under the age of 21 who has their own personal automobile policy. Are the parents’ subj...

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Does a personal auto policy provide expenses for airfare if our insured is on vacation and his vehicle is stolen?...

Our insured was in an auto accident. The family dog, riding in the car, was hurt. Are the veterinarian's bills covered under the medical payments cove...

My client has an auto camper-trailer on blocks at a campsite with an attached, screened-in porch. Is the porch covered against damage or loss on his a...

My insured has a pickup truck as his personal vehicle. In the winter, he mounts a snowplow on it—for hi...

A personal auto policyholder of ours accidentally injured his golf partner when the golf cart our client was driving got out of his control. He has as...

One of my insureds drives her own personal vehicle in volunteer work for the Red Cross. She transports people to doctors and hospitals for appointment...

How does our agency provide coverage for people who have no personal auto policy of their own to protect them when they borrow a car for personal use?...

My insured took a job with the U.S. Post Office. She became alarmed when she was told by her employer that her Personal Auto Policy would not cover he...

My client's car was hit by another auto. Now the other driver's insurer has denied coverage due to lack of cooperation by its insured. Can they do thi...

We have a client who is the named insured on a personal auto policy covering his owned vehicle. His wife and son ha...

We insure a family whose young son is away serving in the military. Do we need to rate him as a youthful operator on his family's auto policy?...

We insure a husband and wife who own eight automobiles and three trailers. They use the trailers to haul horses. Are the trailers covered under their...

The lights went out on my client's Thunderbird. The mechanic found a mouse that had been chewing on the wires. Can a claim be made under the comprehen...

Following a coastal storm, we had a loss involving a vehicle which had been subjected to immersion in salt water. The client had a $2,000 repair es...

My client's employer wants to be covered while the client uses his personal auto for business-related activities. How can the employer be covered ...

We recently had two situations involving stolen vehicles. In the first case, a stolen car hit our insured's car. Can he collect from the policy of...

We have an insured with a tractor that he transports on a trailer pulled by his personal vehicle. He may be starting a lawn-mowing business. He has so...

Would a collision with a deer be considered a "collision" under the personal auto policy and, therefore, covered under the collision coverage portion...

Our insured provides family day-care in her home. When she is driving the children in her car, would any accident be covered under her personal auto p...

Under the Personal Auto Policy (PAP), are the liability limits reduced by the legal costs of defending the claim? Does the liabilit...

Does a Connecticut auto policy cover autos that are registered in other states?...

Our client owns a motor home, insured under a Personal Auto Policy. He wants to rent it to a friend and wants to know if it will still be covered whil...

We've run into a claim dispute over a snowplow attached to a pickup truck. The insurer is denying the claim for damage to the plow, based on the ex...

We have a company that went ahead and added a 16-year-old to his parents' auto policy, even though this teenager doesn't have a lice...

We have been asked the following question but need to confirm the answer. Alexander, 21 now, took a short ride (about a half mile) on his friend's new...

Can an insurer deny payment for damages to a claimant's vehicle if the claimant's vehicle was uninsured at the time? The claimant's vehicle was parked...

Our clients have a personal auto policy (PAP). A 24-year-old daughter is listed as a driver and resides in the household, but is not a named insured....

My client is renting a moving truck to move from one house to another. The rental company is telling hi...

We were told by one company that if the son/daughter is in "boot camp" or basic training that this is not considered active duty so they will charge u...

Our insured transported on his trailer a tool box belonging to his future son-in-law. The box was loaded negligently, flipping the trailer damaging th...

Our daughter has a vehicle, with her own insurance policy, away at school with her. She called me the other day to tell me the car was in an accident....

I borrowed my friend’s pick-up truck so I could go to Home Depot and get some supplies. While I was borrowing it, I got into an accident. I don’t want...

My client insures a leased vehicle on a personal auto policy....

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We have an insured with a conversion van that has an automati...

During a heavy windstorm, a dock broke loose from another property and crashed into a seawall on our client's property. The owner of...

We have an insured who has put all his assets into a living trust. He has personal auto, homeowners and umbrella policies with us....

My insured has a personal umbrella policy. His mother resides with him but has her own car which she insures under her own policy. Will my insured'...

We ran into a problem when an insurance company asked a youthful driver to fill out a driver questionnaire. The parents objected and said they did not...

What would be the best way to dispose of client files when they contain private information such as Social Security numbers or federal I.D. numbe...

Some companies provide access to policyholder information such as declaration pages to their producers through their website. When the company termina...

The insurer sends out privacy notices to my clients. Should I, as an agency owner (producer, manager, compliance officer) send agency-specific privacy...

Sending out the GLBA privacy notices is expensive and time consuming. Can I deliver the GLBA privacy notices by email?...

Recently, one of our insureds was in an accident, and in the course of processing her claim, the insurance company required the insured’s Social Secur...

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Which policy is primary when someone rents a car in Connecticut?...

I have a client with some unique liability exposures, and am doing some research on risk retention groups. Could you describe the regulatory climate a...

What are the rules on charging service fees on substandard auto policies?...

Can I charge an insured a service fee for a renewal policy?...

Can you review the rules for splitting service fees for surplus lines business?...

Are there any statues regarding charging service fees on each risk location? If an insured has risks in multiple states, which will require multiple f...

What are the tax consequences of a covered theft loss?...

Can you tell me how my clients will be impacted by the Terrorism Risk Insurance Program Reauthorizat...

I am concerned about the level of protection afforded by the Federal Deposit Insurance Corp. (FDIC), compared to the amount of premium monies I may ha...

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Our clients are planning to hire an au pair through a foreign agency to clean house, watch their children, etc., in exchange for room and board for si...

I know there has been some confusion about the proof of workers' compensation insurance requirement for building permits where the w...

When does workers' compensation coverage begin to apply to workers during the typical workday?...

Could you fill us in on a law that was passed a while back exempting real estate brokers from workers' compensation? We don't want t...

We have an insured with 10 employees. This client is entering into an agreement with an employee-leasing company. What are the responsibilities of the...

What is the limit of Connecticut Insurance Guaranty Association coverage for workers' compensation claims?...

Our client has a day-care center in her home and hires her grown daughter (not a resident in the home) full-time, plus another person who teaches a...

Under Connecticut Workers' Compensation Law, can an employee be required to go to a specific doctor?...

This question concerns a Workers' Compensation...

Our client has a commercial auto policy. In March 1993, one of their employees was injured in a company vehicle. The employee recove...

We have an insured who has an employee scheduled for knee surgery. The employee wants to be paid under workers' compensation for the...

Our insured is a veterinary hospital. They have volunteer labor working at the hospital. Do they need to provide workers' compensati...

How do we handle workers' compensation for a corporate officer of a not-for-profit corporation? These officers are not paid; they function on a vol...

Is it necessary to obtain and file updated, signed workers' compensation exclusion/inclusion forms (applicable to corporation office...

Where can I obtain a list of all the workers' compensation commissioners in Connecticut? We have used it like a Bible, but recently we had to redo...

I would like some information on retrospective-rating plans for workers' compensation. Specifically, what is a "compensating balance...

Are managers of Connecticut Limited Liability Companies (LLCs) treated by the state as partners or as corporate officers for the pur...

Could you review the requirements regarding officers, directors and partners with respect to workers' compensation coverage in Connecticut?...

A subcontractor's employee is injured on the job and it is discovered that the subcontractor's policy is not in force. The general contractor's policy...

Is there any way to dispute an audit if the policyholder does not believe certain workers should be classified as employees?...

If an employee is not subject to the Workers’ Compensation Law and the employer chooses to voluntarily cover the employee...

Our local town bas...

A homeowner insured is hiring a contractor to do substantial...

I have an insured who conducts research sessions...

With the 2008 increase in payroll of an included officer...

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Could you explain "stopgap" insurance? How is it provided?...

We're not sure where to turn to obtain workers' compensation for a domestic employee who will be coming into our clients' Florida home to care for the...

One of my commercial insureds has entered into an unconventional arrangement that purports to provide workers' compensation insurance. Its rates are&n...

We need to cover a possible workers' compensation exposure in St. Thomas, Virgin Islands. Does St. Thomas require workers' compensat...

Our client will be doing well drilling in Ontario, Canada. How do I cover the workers' compensation exposure?...

According to the company, the wrong rates were used to rate workers' compensation coverage for a construction business back in 1996-...

Our insured is opening a Florida sales office. The salesperson will be based in Florida but traveling 50 percent of the time. Do you know if a Florida...

Can a carrier add a new class to a workers' compensation policy upon audit?...

Can members of a limited liability company or officers of a corporation be held personally responsible for workers' compensation fines when the employ...

For clients who have employees traveling outside of the United States, at what point does coverage cease (i.e. Canada, Mexico, Israel or England)? Is...