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  1. Volunteer drivers | Ask PIA

    One of my insureds drives her own personal vehicle in volunteer work for the Red Cross. She transports people to doctors and hospitals for appointments. Is there an endorsement to cover this situation?

    By definition, a volunteer transporting people for charity purposes is not public transportation for hire. The volunteer’s personal auto policy will cover auto liability while transporting people for the Red Cross. By the way, in order to avoid insurer inconsistency in applying the public livery exclusion, the 2018 ISO PAP...

  2. Symbol 1—named insured | Ask PIA

    My client owns a vehicle scheduled on a personal auto policy. He also has a business auto policy naming him as an individual with covered autos designated as Symbol 1. Will the BAP cover this client while operating the vehicle scheduled on the PAP?

    Yes, there will be coverage under the BAP, as Symbol 1 covers the named insured for any auto. Further, this coverage will be primary according to the following provision: 5. Other Insurance a. For any covered "auto" you own, this coverage form provides primary insurance....

  3. Condominiums—earthquake and flood | Ask PIA

    Should the unit owner purchase earthquake and flood coverage?

    You should offer these coverages for damage to the insured’s property the same as you would offer them to any other homeowner. The condominium association can insure all of the units for flood on a National Flood Insurance Program Residential Condominium Building Association Policy. If not, the unit owners...

  4. Cooperative | Ask PIA

    Does a cooperative owner need Coverage A if they are just a shareholder?

    Yes, even in Connecticut, where the cooperative owner can be held responsible only for improvements and betterments installed by the owner, there may be a substantial amount of these improvements and betterments to warrant an increase above the default limit of $5,000. Coverage can be increased on the policy and...

  5. Condominium loss assessments—perils insured | Ask PIA

    If a condo association insures common property only for broad-form perils, how could the unit owner be protected for assessments made for damage caused by an unnamed peril?

    Loss Assessment coverage responds to any peril insuring Coverage A property. The ISO Homeowners 6—Unit-Owners Form insures Coverage A property on a broad-form basis, so the unit owner would be limited to the same perils as the association policy, and loss assessments for other perils would not be covered. The...

  6. Condominiums—primacy of coverage | Ask PIA

    If New Hampshire law is silent on whether a condominium association policy is primary, how do I know how the claim will be settled?

    The standard ISO association policy states that its coverage is primary and the standard ISO HO-6 policy states that its coverage is excess. It is very unlikely that the New Hampshire Insurance Department would approve any deviation from these policy provisions.

  7. Condominium—assessments | Ask PIA

    Why won’t a high-loss assessment limit cover an assessment for a large deductible on the association policy?

    Apparently, your inquiry arises from coverage available under the ISO 2000 edition (or prior) Homeowners Program. A better solution is now offered under the 2011 program edition. The trend has been for associations to purchase property insurance with a high deductible (typically, $5,000 to $25,000) in order to save...

  8. Umbrella policy—condominium assessments | Ask PIA

    Will an umbrella policy cover loss assessments?

    That is entirely up to the language of the specific umbrella in question. You would need to examine each umbrella policy to make that determination. The ISO DL 98 01 Personal Umbrella Liability Policy does not cover loss assessments.

  9. Homeowners—ordinance and law | Ask PIA

    How much ordinance or law coverage should be purchased on a homeowners policy?

    The automatic ordinance or law coverage built into the ISO homeowners forms (whether for dwellings or unit owners) is 10% of the Coverage A limit. ISO rules permit scheduled increase amounts from 25 to 100%, in increments of 25%. Potentially, there could be additional costs: to bring the...

  10. Coverage during nursing home stay | Ask PIA

    My insured has been sent to a nursing home and it looks like he will be there several months. Will this affect his homeowners insurance?

    My response assumes the home will continue to be the insured’s primary residence and that he expects to return after a temporary absence. Under the terms of the ISO Homeowners Policy, coverage for vandalism and glass breakage is suspended when the insured structure becomes vacant (when not enough personal property...

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