Provides line-by-line interpretations of the most commonly used ISO forms,
plus practical advice for using nonstandard and manuscript forms.
Complete, detailed, and authoritative analysis of the coverage terms of
virtually every type of first-party coverage available.
Features line-by-line interpretations of the most commonly used ISO
commercial property, crime, inland marine, and equipment breakdown forms,
plus practical advice for using countrywide endorsements and nonstandard
forms.
Includes samples of all the ISO countrywide (and most state) property,
inland marine, equipment breakdown, and crime forms (current editions and
some past editions), a selection of AAIS forms, and the NFIP flood insurance
manual.
Additionally, you can now see details of some decisions and a list of
cases citing IRMI reference services, expert commentary, and glossary
definitions in the new white paper, IRMI's
Influence in the Courts—Shaping Insurance Law.
Commercial Property Insurance includes the following.
- Direct Damage Overview
- Time Element Coverage Overview
- Selecting Property Insurance Limits
- Protecting Additional Insureds, Loss Payees, Mortgagees, and Builders
Risk Insureds
- Proximate Cause Analysis
- Commercial Property Checklists
- Annotations
- Building and Personal Property Coverage Form
- Business Income and Extra Expense Coverage Form
- Causes of Loss Forms -- Basic, Broad, and Special
- ISO Forms and Endorsements
- Other Property Forms
- Inland Marine
- Equipment Breakdown
- Crime
- Package Policies
- Commercial Property Insurance Tips
Download
Table of Contents
Agents, Brokers, and Account Support Staff
- Go beyond the pat, cookie-cutter programs most people write by using
the detailed checklists, sample forms, and insightful analyses to address
the less obvious but critical property, crime, and inland marine
exposures for different industries.
- Prepare superior specifications/submissions using the practical
discussions of coverage alternatives.
- Easy-to-understand explanations of standard policy provisions and
countrywide endorsements help you pinpoint errors in your
competitors' programs and fix coverage gaps within your own
programs.
- Provides insight and third-party support when negotiating claims
disputes on behalf of your insureds or communicating the rationale behind
a denial.
- Insight and resulting technical proficiency will reinforce your
insureds' and underwriters' trust and confidence in you and your
staff.
Risk Managers, Financial Executives, & Insurance
Buyers
- A comprehensive, well-indexed library of sample property, crime,
businessowners, and equipment breakdown policies and endorsements, along
with explanations of their coverage intent, is provided for use in
manuscripting special forms, auditing existing programs, deciphering
proposals, negotiating claims, and making coverage requests.
Underwriters
- Use the explanations of policies and endorsement provisions to
quickly and confidently answer questions posed by brokers and your
insureds.
- These explanations and supported recommendations will strengthen
client relationships.
- Keep up with changes made in new editions of policy forms being
introduced into the market.
Claims Adjusters
- Quickly determine what unfamiliar policy and any endorsements do and
do not cover with the coverage interpretations.
- Use this insight and third-party support of your decisions and
related explanations to strengthen client relationships.
- Get up-to-speed on the intent behind exclusions with which you have
not dealt before and how they may or may not apply to a particular
claim.
Attorneys
- Includes 601 case citations.
- Current and historical ISO policy forms provide an invaluable
resource for litigation involving current and past policy
provisions.
- Summaries of the drafting history and intent of each ISO property
provision help you determine whether historical caselaw actually applies
to the policy provision you are examining.
- Demonstrate coverage best practices to the court to help you win your
agent/broker E&O cases.
- In absence of legal precedent, you'll have valuable insight to
what the policies do and do not cover. Since IRMI is a highly respected
research firm and has been quoted in critical court cases, our
interpretations carry a great deal of weight.
Consultants
- Prepare superior specifications/submissions using the practical
discussions of coverage alternatives.
- Easy-to-understand explanations of standard policy provisions and
countrywide endorsements help you pinpoint errors in your clients'
programs.
- Use as support and a second opinion in your litigation consulting
work.
Your purchase of Commercial Property Insurance comes with
access to thousands of coverage-line-specific insurance forms and
endorsements promulgated by the Insurance Services Offices, Inc. (ISO),
and the American Association of Insurance Services (AAIS).
Your purchase of an IRMI reference product includes a complimentary
subscription to The Electronic Owl e-newsletter. You'll
receive a monthly update with links to new content and tips on how to
get the most from your IRMI resources.
You will also get access to a digital copy of the
Contractor's Guide to CIPs—a handy reference that provides
guidance on 38 issues contractors should consider when accepting
coverage through a wrap-up or controlled insurance program.