• 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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  • Lost Income Claim under BOP

    Lost Income Claim under BOP Our client is a tenant insured with a Businessowners form. There was a problem with broken sewage pipes under the foundation of the building that resulted in contamination of the duct works. The contamination resulted in a temporary shutdown both due to odor and the...

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  • BOP Coverage for Liability Claim Based on Food Illness

    BOP Coverage for Liability Claim Based on Food Illness BOP Coverage for Liability Claim Based on Food Illness My question concerns the ISO Businessowners form, BP 00 03 01 06, with attached endorsements for bacteriaBP 06 01 01 07, Exclusion of Loss due to Virus or Bacteria, and BP 05 77 01 06,...

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  • Vacancy Definition under Scrutiny

    Vacancy Definition under Scrutiny Vacancy Definition under Scrutiny Our question is on form BP 00 02 01 87 under the vacancy provision, which contains an exclusion for buildings that have been “vacant” for more than sixty days. However, there is no definition given for “vacancy.” Our concern is...

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  • BOP Sewer Backup Endorsement Does Not Exclude Coverage for Sewer Located away from Building

    BOP Sewer Backup Endorsement Does Not Exclude Coverage for Sewer Located away from Building BOP Sewer Backup Endorsement Does Not Exclude Coverage for Sewer Located away from Building The insured has a BOP policy and purchased an endorsement that covers back up of sewer and drains. Upon...

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  • Failure to Comply with Duties under Policy

    Failure to Comply with Duties under Policy Failure to Comply with Duties under Policy We have run into a situation in which an insured has failed to respond to our attempts at contact in order to obtain necessary information to investigate a businessowners liability claim. While the specific...

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  • Tenants Liability Endorsement and Damage to Personal Property

    Tenants Liability Endorsement and Damage to Personal Property Tenants Liability Endorsement and Damage to Personal Property I received a claim in which the insured leases a building from a landlord. The lease agreement indicates that the insured agrees to keep the premises in good condition and...

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  • Direct Physical Loss under BOP

    Direct Physical Loss under BOP Direct Physical Loss under BOP Our insured accidentally threw away some digital x-ray sensors in the trash. Now, they want to be compensated for them. The BOP policy, Section I Property, Coverage agreement states, “We will pay for direct physical loss….” I believe...

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  • Med Pay Coverage under BOP

    Med Pay Coverage under BOP Med Pay Coverage under BOP Is the medical payments coverage under a BOP a per occurrence limit or per person limit? Illinois Subscriber The med pay coverage is per person. The most the insurer will pay for all medical expenses because of BI sustained by any one person...

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  • Sump Pump and Water Backup Claim

    Sump Pump and Water Backup Claim Sump Pump and Water Backup Claim One of the more common causes of claims we handle deals with sump pumps and applicable exclusions. In this case, the policy carries an endorsement that reads as follows: The following coverage is added to your Businessowners...

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  • Employee Dishonesty and Overpayment of Wages

    Employee Dishonesty and Overpayment of Wages Employee Dishonesty and Overpayment of Wages The form is BP 00 03 01 06. Our insured had an employee who was adding time to her time card and receiving additional pay for hours not worked. I am a tad puzzled by the language under Employee Dishonesty,...

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