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  • Financial Interest under a Businessowners Policy

    Examines the concept of "financial interest" in insured property under the businessowners and commercial property policies. Insurance recovery is limited to the insured's "financial interest" in property.

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  • Collapse Coverage for Pipe?

    Describes coverage under a BP 00 02 for collapse of a pipe resulting from rust, and addresses trigger for business income.

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  • Personal Property of Others under BOP

    Customer's car broken into on insured's lot. Does the BOP consider claim to be covered as loss of personal property of others?

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  • Scrap Wire Covered as Personal Property

    Scrap wire that a contractor intended to sell was covered as personal property under a businessowners policy.

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  • Computer Data Loss Covered by BOP?

    Fire in building next to insured causes power fluctuation which damages insured's hard drive and data.

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  • Business Income and Computer Failure

    An electrical substation at the insured’s office building has a breakdown, and the insured’s computer systems do not function. Is there coverage for business income under a BOP or an EDP form?

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  • Replacement Cost Provision in the 1996 BOP

    This question and answer discusses the wording of the loss payment section of the 1996 ISO BOP form.

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  • Water Loss from Swimming Pool Covered by BOP?

    When a leaking pipe allows water to drain from a country club’s swimming pool, coverage under a BOP is denied. Should the loss be paid?

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  • Water Damage Exclusion Not Applicable to Sprinkler Leakage

    Sprinkler leakage was not limited to water leaking from sprinkler heads.

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  • Replacement Costs Defined

    Discussion on maintaining insurance to value.

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