• Duty to Defend—Archived Article

    Duty to Defend—Archived Article Broader Than the Duty to Indemnify Summary: It is a long-held axiom that an insurer's duty to defend is broader than the duty to indemnify. But what encompasses that duty? On what is the duty based: the factual allegations in the complaint, or legal theories...

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  • Business Auto Form Liability Part - Archive

    Business Auto Form Liability Part - Archive Section II of the Auto Form Summary: Section II of the business auto coverage form, CA 00 01 03 10 , contains the provisions relating directly and exclusively to auto liability coverage. These provisions include the insuring agreement, limit of...

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  • Interplay among FMLA, ADA, and Workers Comp. Statutes—Archived Article

    Interplay among FMLA, ADA, and Workers Comp. Statutes—Archived Article Comparison of the Statutes The following pages contain a chart that displays the comparisons between the Family and Medical Leave Act, the Americans With Disabilities Act, and workers compensation statutes. This...

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  • Garage Policy—Archived Article

    Garage Policy—Archived Article Highly Specialized Coverage Form Summary: Few businesses have had the special attention from insurers as have those dealing with automobiles. Most businesses are offered general forms to adapt to their particular liability, automobile, and property coverage...

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  • Business Auto Form - Conditions - Archive

    Business Auto Form - Conditions - Archive Section IV Summary: The conditions section that appears in the current auto coverage form has been reorganized compared to previous versions. The substantive changes have been few; most of the changes have dealt with revamping the format. Some of the...

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  • Status of Wall to Wall Carpet, Drapes, and Lighting Fixtures—Archived Article

    Status of Wall to Wall Carpet, Drapes, and Lighting Fixtures—Archived Article Dwelling or Contents? Summary: There are a number of items common to daily living that cause difficulty to insurers and their customers because it is not certain whether damage to such items should be covered by...

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  • Floor Plan Coverage Form—Archived 2015

    Floor Plan Coverage Form—Archived 2015 ISO Inland Marine Program Summary: The floor plan coverage form ( CM 00 52 03 10 ), one of the forms of the commercial inland marine program of Insurance Services Office, affords open perils coverage on merchandise held for sale that has been financed...

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  • Business Income and Extra Expense Endorsements - Archive

    Business Income and Extra Expense Endorsements - Archive ISO Commercial Property Program Summary: Standard business income and extra expense endorsements available for general use as part of the simplified language commercial property program of Insurance Services Office are listed in these...

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  • Business Auto Endorsements—Archived Article

    Business Auto Endorsements—Archived Article Listing and Descriptions Summary: The business auto coverage form can be modified in several ways by the use of endorsements; additional insureds can be added to the coverage form, exclusions can be added or modified, existing coverages can be...

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  • Business Auto Definitions - Archive

    Business Auto Definitions - Archive Words and Terms Used Throughout The Policy Summary: Words and terms that have a contractually defined meaning that applies throughout the business auto coverage auto form are discussed in this article. Most of the terms are defined in section V of the auto...

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  • Businessowners Program - Archive

    Businessowners Program - Archive Eligibility and General Conditions Summary: The Insurance Services Office (ISO) businessowners program is a package policy offering property and liability coverage for certain groups of commercial insureds. The program may be used to insure a variety of business...

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