• 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...

    Read Full Article

  • 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...

    Read Full Article

  • 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...

    Read Full Article

  • 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...

    Read Full Article

  • 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...

    Read Full Article

  • 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...

    Read Full Article

  • 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...

    Read Full Article

  • 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;...

    Read Full Article

  • 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;...

    Read Full Article

  • 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...

    Read Full Article

  • 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,...

    Read Full Article