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Coverage issues
‘Insuring’ cell phones
Are third-party representatives authorized to insure my clients’ phones?
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 coverage is jeopardized if the dwelling is vacant. Does that follow for liability or a medical payments loss?
Flu outbreak coverage
Is there any type of insurance available that covers a business in the event of a widespread flu outbreak?
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 association’s policy. Can they request this?
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 Connecticut statutory default. We have always advised our clients to carry a suitable limit of improvements and betterments, regardless of the bylaws. Is the additional premium being wasted on useless coverage?
Coinsurance on a business income policy
What does the coinsurance value of 125% on a business policy mean?
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 for a total loss?
Change in hurricane deductible
We have a carrier that has changed our insured’s hurricane deductible, without their request, on renewal. This is not considered a coastal risk. The only way we knew of this was by going through the entire policy and we saw that the deductible was changed. Aren’t carriers supposed to notify an insured when coverage is changed like this?
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?
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?
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?
Damage from riots
Is damage from riots covered on a businessowners or property coverage policy?
Business interruption—riots
Is there coverage for business interruption caused by rioting?
Business interruption—curfew
Will business interruption coverage apply to income losses resulting from the orders of curfew?
Vacancy vs. unoccupancy
Can you explain the difference between vacancy and unoccupancy?