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Coverage issues
290115-00
Binder time frames
What is the law in New Jersey with regard to the length of time allowed for binders?...
290248-00
Fuel oil liability
I have an insured that just discovered a leak in their fuel tank. The forensic engineer stated that the leak first occurred 15 years ago and has......
290258-00
ISO rules regarding service garage risks
Under ISO rules effective Sept. 1, 2002, in New Jersey, service garage risks are no longer eligible for a garage policy. How does this affect my......
290317-00
Electric scooters
Does a homeowners policy cover your liability if you’re riding an electric scooter (one that doesn’t require a license) and causes......
290324-00
Watercraft—diminished value
My client owns a marina. A boat was damaged and the insured is stating that he’s entitled to diminished value for the boat. I know New......
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?...