• Damage to Your Property or Damage to Your Work

    Damage to Your Property or Damage to Your Work We insure a businessowners policy with liability coverage form SB 00 06 11 99. Our insured is a carpet cleaning business. Our insured was hired to clean a carpet in the basement of a customer's home. The customer requested that the insured also...

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  • Common Area Staircase Damaged

    Common Area Staircase Damaged Our insured has a BOP policy. The insured leased an area in a building in which to run a restaurant. In a common area of the building the insured used a degreaser and power washer to clean a spiral staircase, which damaged the staircase. Even though the area is...

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  • Occurrence or Faulty Workmanship

    Occurrence or Faulty Workmanship We have the BP 00 06 01 97 Form. Our insured was a plumbing sub-contractor hired to install plumbing pipes in a new building. The insured drilled holes for the piping through the wood studs which were part of the framework of the condominium units. The holes were...

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  • Legal Fees not Covered by the BOP

    Legal Fees not Covered by the BOP Does a BOP liability policy provide coverage for the claimant's legal fees as ordered by a local judge? Are legal fees specifically excluded by the liability section of a BOP? If so, where is such an exclusion located in the policy? Arkansas Subscriber The BOP...

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  • Interpreting “Ownership” or “Use” under the BOP

    Interpreting “Ownership” or “Use” under the BOP Insured is a tenant restaurant. Named insured parked his Vespa Moped on the sidewalk in front of his restaurant and went inside. While parked, the claimant tripped and fell over the Vespa and is now making a claim alleging...

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  • Primary Coverage Versus Excess Coverage

    Primary Coverage Versus Excess Coverage We would like your opinion as to which carrier would be primary/excess or if they should share.  The plaintiff alleges that she slipped and fell on an accumulation of ice and snow while she was walking to the parking lot. All snow removal is done in...

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  • BOP Coverage for Unfinished Hardwood Flooring Planks

    BOP Coverage for Unfinished Hardwood Flooring Planks I am an adjuster working on a large commercial apartment building fire. The policy form is a BP 00 03 01 10. All of the eight affected units have hardwood flooring planks in a couple of rooms in each unit that is covered with permanently...

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  • Vehicle Stolen From Valet Parking Service

    Vehicle Stolen From Valet Parking Service Our insured is an upscale restaurant that provides a valet parking service for customers. Employees of the restaurant park customer's vehicle and they do not charge for the service. The claimant arrived and gave his keys to the parking attendant who then...

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  • Damage to Premises Rented to Named Insured

    Damage to Premises Rented to Named Insured Our insured, after renting the property for over 15 years moved out of his current location. Now the land lord is seeking repairs to his property for damages allegedly done by our insured. Under exclusion k1 of the BOP, it states that the insurance does...

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  • Unauthorized Alterations and Coverage under a BOP

    Unauthorized Alterations and Coverage under a BOP Our client, who is insured under a businessowners form, was in the process of selling an apartment building when an inspection revealed four units had been modified by the tenants in order to cultivate marijuana. They painted over window panes;...

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  • Unauthorized Alterations and Coverage under a BOP

    Unauthorized Alterations and Coverage under a BOP Our client, who is insured under a businessowners form, was in the process of selling an apartment building when an inspection revealed four units had been modified by the tenants in order to cultivate marijuana. They painted over window panes;...

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