• 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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  • Third Party Property Damage Claim

    Third Party Property Damage Claim We are currently handling a third party property damage claim under Business Owners Liability Coverage Form BP 00 06 01 97. This loss arises out of a fire at our insured location. A claim is being made by a nearby business for the cost to refill its water tank...

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  • Property in Transit Coverage on the BOP

    Property in Transit Coverage on the BOP The insured was having a package shipped to them, and it was damaged in transit. The coverage extensions states that coverage applies to property located in or on the building listed in the declaration or in the open (or in a vehicle) within 100 feet of...

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  • Covered Property under Businessowners Form

    Covered Property under Businessowners Form My question is specific to the Businessowners form, BP 00 10 97. Under covered property, the form states, “Buildings, meaning the buildings and structures at the premises described in the Declarations.” This is different than the Building and Personal...

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  • No Coverage for Leaky Roof

    No Coverage for Leaky Roof How are others handling this situation or how do you feel the policy should respond to this? We feel bad for our customer, who is the tenant. The tenant, who was insured under a 1989 Businessowners policy, suffered damage to business personal property due to a roof...

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  • Condominium Endorsement and Coverage for Water Loss

    Condominium Endorsement and Coverage for Water Loss We have several owned, but rented out condominium units insured with a BP 00 03 07 02. Each unit needs $100,000 in interior structure coverage to cover finished walls, flooring, additions, and alterations due to an all-in master policy with a...

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  • Damage to Your Work Exclusion under the BOP

    Damage to Your Work Exclusion under the BOP Our insured was cleaning a window by using two extension poles to wash and clean. He put the pole on his left aside, leaning it against the house. He continued cleaning the window with the right pole. Wind came through and blew the left pole onto the...

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  • BOP Coverage for Damaged Walls

    BOP Coverage for Damaged Walls We have an insured with a BP 00 03 07 02 . The insured suffered damage to two retaining walls by a vehicle. One of the walls is attached to the structure and the other wall is not. The insured is looking for coverage under his policy for both walls. Would you...

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  • 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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