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Coverage issues

060134-00

Condominium improvements and betterments
My clients are unit owners in a condominium. The bylaws state the association is responsible for improvements and betterments under the......

060146-00

Change in hurricane deductible
We have a carrier that has changed our insured’s hurricane deductible, without their request, on renewal. Also, this is not considered a......

060156-00

Who owns the engagement ring?
When a man gives a woman an engagement ring, who has an insurable interest in that ring and how should it be insured?...

310480-00

‘Insuring’ cell phones
Are third-party representatives authorized to insure my clients’ phones?...

900260-00

DP-3—vacant property
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......

900275-00

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

900276-00

Condo mortgagee requests to be additional insured
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......

900319-00

Coinsurance on a business income policy
What does the coinsurance value of 125% on a business policy mean?...

900323-00

ISO stated amount endorsement
According to the terms of the ISO Stated Amount personal or commercial auto endorsement, can a claims settlement be less than the stated amount......

900332-00

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

900439-00

Damage from riots
Is damage from riots covered on a businessowners or property coverage policy?...

900440-00

Business interruption—riots
Is there coverage for business interruption caused by rioting?...

900441-00

Business interruption—curfew
Will business interruption coverage apply to income losses resulting from the orders of curfew?...

900446-00

Vacancy vs. unoccupancy
Can you explain the difference between vacancy and unoccupancy?...