PIA Search

Results 1321 - 1330 of 3226

  1. Business interruption payroll coverage | Ask PIA

    Under the Business Income Coverage form, how do we help a client decide between insuring ordinary payroll vs. just that of key employees?

    First, let’s look at the basic coverage. The unendorsed Insurance Services Office Inc. business income coverage forms (CP 00 30, CP 00 32) cover all payroll, with claims payments negotiated on the basis of what constitutes your client’s “necessary” continuing expenses. Coverage is limited to expenses that are necessary to...

  2. Camper trailers | Ask PIA

    My client has an auto camper-trailer on blocks at a campsite with an attached, screened-in porch. Is the porch covered against damage or loss on his auto policy? What about liability for accidents occurring in the camper or on the porch?

    Exclusion 7 under Part D of the ISO Personal Auto Policy excludes trailers and facilities or equipment used with trailers, including a porch. However, you can add an endorsement (PP 03 07 “Trailer/Camper Body Coverage”) to provide coverage for the trailer, which also will automatically include facilities and equipment designed...

  3. Coverage for executor | Ask PIA

    How can the executor of an estate be covered under homeowners and umbrella policies?

    The assignment provision in the ISO homeowners policy reads: G. Death. If any person named in the declarations or the spouse, if a resident of the same household, dies, the following apply: 1. We insure the legal representative of the deceased but only...

  4. Snowplowing—personal auto liability | Ask PIA

    My insured has a pickup truck as his personal vehicle. In the winter, he mounts a snowplow on it—for his personal use, he says. I am concerned in case he may be plowing others’ property for money. Would there be any exclusion of coverage if this were the case?

    There is no liability (Part A), medical payments (Part B), uninsured motorists (Part C) or physical damage (Part D) coverage exclusion for an owned pickup used in a business pursuit. Suppose your insured can’t get his truck started one cold morning, but gets permission to use his neighbor’s pickup...

  5. Parties off premises | Ask PIA

    My insureds are renting a Girl Scout Lodge to give a dinner party with about 30 people. It’s a strictly social occasion. They want to know whether their homeowners liability coverage will protect them in case of an accident at that location.

    Yes, it will—under the ISO HO 00 03 form, the Girl Scout Lodge becomes an “insured location” for the day of their party. Check Definition 6: “’Insured location’ means ... (h) any part of a premises occasionally rented to an insured for other than business use.” For more information on...

  6. Stopgap insurance | Ask PIA

    Could you explain “stopgap” insurance? How is it provided?

    You may need stopgap coverage if you place workers’ compensation insurance in the monopolistic state funds of North Dakota, Ohio, Washington and Wyoming. These states do not offer the employers’ liability component of a National Council on Compensation Insurance workers’ compensation policy. Stopgap coverage for employers’ liability sometimes can be...

  7. Covering rental property | Ask PIA

    My insured owns his residence, which we insure with a homeowners policy. He also owns, in common with his brother, another house that they rent out. Can I cover my insured and his brother adequately for liability by adding HO 24 70 Additional Residence Rented To Others endorsement to his...

    No. This won’t provide the protection you are looking for. The HO 04 41 Additional Insured—Residence Premises endorsement will not cover the brother for the commonly owned rental property. This endorsement only adds the brother as an additional insured for the client’s residence premises, which is not needed there. ...

  8. Horses | Ask PIA

    I recently received a marketing newsletter that implied that horses are not covered for liability under a homeowners policy if they are away from the premises, e.g., at a show. Is this true? What about suits when a personal riding horse causes an auto accident?

    Under the ISO Homeowners Policy, there are no specific restrictions in liability coverage for horses, unless the horses are used in farming or another business pursuit.

  9. Family Leave Act—who pays? | Ask PIA

    I would like a clarification of the Family and Medical Leave Act of 1993. Who pays for the employee’s medical coverage if the employee takes a leave under this federal act?

    The employer is required to continue to provide health benefits during the leave at the same level as if the worker were still continuing work in his or her regular position.The worker must continue to pay appropriate premiums (to the same extent as if still working), co-payments and other out-of-pocket...

  10. Golf cart liability | Ask PIA

    Our client accidentally injured his golf partner when he lost control of the golf cart. He has asked whether there is any coverage under his auto policy. He also has a condo policy.

    The answer will depend on whether your client owns the golf cart or not. The standard ISO Personal Auto Policy does not cover liability for owned golf carts, unless the Miscellaneous-Type Vehicle Endorsement (PP 03 23) has been added to the policy. However, the PAP does cover nonowned golf carts...

Search
Filter Clear