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Personal Lines Insurance

Credit-Based Insurance Scoring: A Simmering Debate

2002-03-01 | Robin K Olson

With consumer groups squarely and vehemently lined up against the insurers, and regulators caught in the middle, compromises on this issue are virtually assured.

Time Element

World Trade Center Terrorist Business Interruption: Claims Will Challenge Policyholders

2002-01-01 | Daniel Torpey

Daniel Torpey and Jeffrey Phillips explain the challenges that a company filing a property or business interruption claim arising from the September 11 terrorist attacks will face in pursuing its claims.

Property Insurance

When Applying the Limitation for Wind-Driven Rain, What Constitutes a "Roof"?

2001-12-01 | Douglas Berry

In this article, Doug Berry summarizes the insurance law cases addressing the question of what is and is not a roof under property insurance policies.

Property Insurance

What's New in the 2000 Edition ISO Commercial Property Forms: CP 10 10, CP 10 20, and CP 10 30

2001-11-01 | Linda G Robinson

This article reviews the changes made in the 2000 ISO editions of the causes of loss forms: the basic, broad, and special causes of loss forms. A summary of the changes to these forms appears at the end of the discussion.

Time Element

Business Interruption for Denial of Access to Insured Property

2001-10-01 | Douglas Berry

Will your insurance cover you if a civil authority closes or denies access to your insured property due some natural or other catastrophe? Doug Berry explains how the answer depends on the policy language.

Property Insurance

What's New in the 2000 Edition ISO Commercial Property Forms: CP 00 30

2001-08-01 | Linda G Robinson

These revisions affect 11 coverage forms, all 3 causes of loss forms, 24 coverage endorsements, and a number of schedule endorsements. This article summarizes the changes to the business income and extra expense coverage form (CP 00 30).

Property Insurance

What's New in the 2000 Edition ISO Commercial Property Forms

2001-05-01 | Linda G Robinson

The 2000 revisions to the ISO commercial property portfolio affect 11 coverage forms, all 3 causes of loss forms, 24 coverage endorsements, and a number of schedule endorsements. This article reviews the changes to the building and personal property coverage form.

Property Insurance

Court Finds "Direct Physical Loss or Damage" Due to "Impairment of Function and Value"

2001-03-01 | Douglas Berry

This article examines the recent Minnesota appellate court decision which determined that the requirement for "direct physical loss or damage" was met in the absence of tangible injury when government regulations rendered cereal unfit for sale, resulting in "an impairment of function and value" of insured property.

Time Element

Beyond the Policy: Documenting a Business Interruption Claim

2001-02-01 | Daniel Torpey

Learn how to effectively document a business interruption claim to ensure a smooth settlement process with this comprehensive guide.

Time Element

The Basics of a Business Interruption Claim

2000-12-01 | Douglas Berry

Doug Berry examines Dictiomatic v. USF&G, a Florida case that brings together virtually all of the principles applicable to business interruption claims and provides a concise primer on these principles.

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