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Commercial lines
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?
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 contract between a general contractor and a subcontractor contains a hold-harmless agreement that includes “any and all claims” (with no restriction to bodily injury or property damage and no specific reference to products and completed operations), will the subcontractor’s contractual coverage respond to a completed operations claim?
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 bankruptcy.
Power-surge exclusion
A gas station with a package policy sustained a loss when a power surge shorted its computer equipment. It turned out that a tree limb on the premises was rubbing on the wires, creating power surges. The insurer is denying coverage. Is it correct in doing so?
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 first-named insured was to go bankrupt. If there are any premiums due, can the other company refuse to pay the premiums due on the previous policy?
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 policy becomes insolvent, would the insured be able to collect on the umbrella policy?
Deleting an additional insured
What are the guidelines for deleting an additional insured from a policy?
Completed operations liability
Could you please clarify the relationship between contractual liability and an additional insured endorsement with regard to completed operations coverage?
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 coverage be applicable to this loss?