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Coverage issues

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 coverage is jeopardized if the dwelling is vacant. Does that follow for liability or a medical payments loss?

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 association’s policy. Can they request this?

280022-00

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?

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 for a total loss?

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?

900391-00

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?

280037-00

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?

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?