Employees of PIA member agencies may log on below:


Ask PIA is a members-only searchable database featuring hundreds of
member questions answered by our highly-qualified technical specialists

If you have not registered for members-only sevices from PIA click here.


Browse by topic

Commercial lines


Loss runs—insurance company requirements
Is there any N.Y. law relating to an insurer’s requirement to furnish loss runs?...


Second notice—alternative renewal procedure
My insured on a commercial package policy got a conditional renewal notice saying that the new premium will probably exceed last year’s......


Free Trade Zone protections
New York’s policyholder protections regarding cancellation, nonrenewal, and advance notice of premium increases—do they apply to......


Material misrepresentation—claim denial
Could a material misrepresentation on an application for a commercial policy be grounds for denying a claim presented under the policy?...


Cancellation to inception date
Our client is a law firm. On the renewal application for their claims-made professional liability coverage, one of the partners failed to disclose......


Ocean-marine policies
Are ocean-marine policies governed by any New York law that spells out cancellation procedures?...


Hyperlimits excess liability policies
Changes are being made to the terms of a $10 million umbrella policy we sold. The client has not been notified of these changes by the company. I......


Additional insureds—primary coverage
There was a New York court decision that interpreted all additional insureds to have primary coverage if coverage for the named insured was......


Loss run data—how many years must be provided?
How many years’ worth of loss information must a commercial insurer provide upon request? Can a prospective insurer ask for more information......


New York premium audit time frames
We are moving a commercial policy to a new carrier. Suddenly the old carrier wants six years’ worth of records from the insureds so they can......


Equipment for apartment building breakdown
Should a standard six-story apartment building in New York have a need to purchase comprehensive equipment breakdown boiler insurance? We......


Loss runs—charging fees
A company sent a notice of conditional renewal to our commercial client. The notice included the client’s right to get loss runs, but said......


Commercial-lines midterm premium increase
What are the rules for increasing the premium on a commercial-lines policy during the policy term?...


Nonpayment cancellation (audit payment)
Can a commercial-lines policy be cancelled for nonpayment of the prior year’s unpaid audit premium?...


Offsetting premium owed by withholding from a claims payment
May a company reduce a claim payment by the amount of premium owed on the policy?...


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?...


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


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


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


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


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......


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......


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......


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......


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


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


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......