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Commercial lines

060005-00

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

060015-00

Late renewal notice
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......

060042-00

Cancellation notice—nonpayment
A general liability policy we sold was canceled for nonpayment, but our client says that they never received any prior notice. Doesn’t the......

060043-00

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

060056-00

Notice of renewal premium; policyholder rights
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 days into......

060057-00

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

900015-00

Business interruption payroll coverage
Under the Business Income Coverage form, how do we help a client decide between insuring ordinary payroll vs. just that of key employees?...

900073-00

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

900077-00

Business interruption—’leader’ location
Have you ever heard of a coverage called “leader”? An adjuster suggested that our insured should have this....

900081-00

Floor plan coverage
What can you tell me about “floor plan” insurance?...

900092-00

Completed operations
If a general contractor’s contract with a subcontractor contains a hold-harmless agreement that includes “any and all claims”......

900094-00

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

900106-00

Power-surge exclusion
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......

900124-00

First-named insured pays
Suppose that more than one company under common ownership was insured under a commercial package policy and the company that was listed as the......

900174-00

Umbrella drop-down provisions
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......

900191-00

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

900192-00

Completed operations liability
Could you please clarify the relationship between contractual liability and the additional insured endorsement with regard to completed operations......

900337-00

Business interruption from power outage
Because of the storm, my client is without power and will be unable to operate his business until it is restored. Will the Business Income......