• Tank Storage Coverage Form - Archive

    Tank Storage Coverage Form - Archive ISO Form IH 00 83 Summary: Insurance Services Office (ISO) has developed an inland marine form that can be used to insure storage tanks and their contents. The form is IH 00 83 09 09 tank storage coverage form. It can be combined with form CM 00 01 09 04...

    Read Full Article

  • Insurable Interest in Stolen Autos - Archive

    Insurable Interest in Stolen Autos - Archive Recovery by Innocent Purchaser—Court Cases Summary: Whether an innocent purchaser of a stolen automobile may recover insurance proceeds for subsequent damage to that auto varies from state to state, based upon the jurisdiction's position on the...

    Read Full Article

  • Handling a Total Auto Loss - Archive

    Handling a Total Auto Loss - Archive The Adjuster's Point of View Summary: A total loss can be a difficult situation for an insured—especially if he or she still owes more money on the car than it is worth. Claim representatives and agents must be sensitive to the needs of the insured and handle...

    Read Full Article

  • Personal Lines Coverage Gaps - Archive

    Personal Lines Coverage Gaps - Archive Can They Be Filled? Summary: For most personal lines insureds, standard homeowners and auto policies provide sufficient coverage. There are situations, however, that qualify for special attention—coverage gaps that should be filled to maximize protection...

    Read Full Article

  • Boiler and Machinery / Equipment Breakdown Insurance - Archive

    Boiler and Machinery / Equipment Breakdown Insurance - Archive Introduction Summary: Boiler and machinery insurance was viewed by many in the insurance industry as complicated and mysterious. Over the years, this coverage has undergone a transformation from a highly specialized and arcane...

    Read Full Article

  • Riggers Liability Coverage Form - Archive

    Riggers Liability Coverage Form - Archive Summary: Rigging contractors, commonly known as “riggers,” who lift, set in place, and move property of others are the subject of Insurance Service Offices (ISO) form IH 00 91 12 01, Riggers Liability Coverage form. Riggers specialize in lifting heavy...

    Read Full Article

  • Personal Articles Form—Archived Article

    Personal Articles Form—Archived Article Scheduling of Valuable Personal Articles May 2004 Summary: The personal articles floater is a method used to provide coverage on those particular classes of valuable personal possessions that are most frequently insured on a scheduled, open perils...

    Read Full Article

  • Automobile Leasing or Rental Concerns

    Automobile Leasing or Rental Concerns Business Auto Endorsements Summary: The insurance needs of an automobile leasing or rental firm are quite specialized — so much so that a regular business auto coverage form (BAP) usually is not sufficient. Insurance Services Office (ISO) offers a number of...

    Read Full Article

  • Concealed Weapon Laws and the CGL - Archived

    Concealed Weapon Laws and the CGL - Archived The Need for Workplace Precautions   Summary: This article discusses the issues that can face an employer where the state has allowed persons to carry concealed weapons. Topics covered: Introduction Areas of concern

    Read Full Article

  • Earth Movement Exclusion - Archive

    Earth Movement Exclusion - Archive Opposing Views: Any Movement vs. Natural and Catastrophic Summary : Property policies generally exclude earth movement as a cause of loss. What constitutes earth movement for purposes of the exclusion? There are two views that have been developed in the courts:...

    Read Full Article

  • Concurrent Causation and Efficient Proximate Cause - Archive

    Concurrent Causation and Efficient Proximate Cause - Archive Coverage Questions Where Excluded and Nonexcluded Perils Contribute to Loss Summary : The “concurrent causation” doctrine operates to hold as covered losses caused jointly by an excluded peril, such as flooding or earth movement,...

    Read Full Article