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Coverage issues
New Hampshire uninsured/underinsured motorists
Absent special circumstances, can a policyholder sue his long-time insurance agent (and win) for his failure to recommend adequate and sufficient UI/UM insurance coverage?
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?
DP-3—vacant property
On a DP-3 form, are there any exclusions that apply to liability coverage with respect to a vacant property? We understand that property coverage is jeopardized if the dwelling is vacant. Does that also apply to liability or medical payments coverage?
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 an additional insured
We often receive requests from a unit owner of a condo whose mortgagee wants to be added as an additional insured on the condo association’s policy. Can they request this?
Coinsurance on a business income policy
What does the coinsurance value of 125% on a Business Income 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?
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?
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 in property insurance policies?