• Chinese Drywall: The Next Big Issue?--Archived Article

    Chinese Drywall: The Next Big Issue?--Archived Article Summary: An interesting side issue has arisen from the hurricanes of 2005. At the time, supplies of drywall were running low. The country had been through a housing boom and the destruction caused by hurricanes Katrina and Rita left ready...

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  • Business Auto Form Declarations and Coverage Symbols - Archive

    Business Auto Form Declarations and Coverage Symbols - Archive Declarations and Symbols Summary: Effective January 1, 1987, the Insurance Services Office (ISO) introduced a business auto coverage form that was compatible with the ISO commercial package policy program. Before that auto form, ISO...

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  • Builders Risk Insurance - Archive

    Builders Risk Insurance - Archive ISO Commercial Property Program Summary: Coverage for insureds with construction exposures beyond the limited parameters of the building and personal property coverage form is accomplished through use of the simplified language builders risk forms and...

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  • Scheduling Personal Property for the Homeowners Insured—Archived

    Scheduling Personal Property for the Homeowners Insured—Archived Making Sure All Bases Are Covered Summary: Homeowners forms commonly limit amounts paid for loss to certain classes of property. For example, Insurance Services Office form HO 00 03 10 00 limits are: money ($200); securities...

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  • Coverage for Domestic and Agricultural Employees—Archived Article

    Coverage for Domestic and Agricultural Employees—Archived Article A Discussion Summary: Domestic, agricultural, and casual employees are not treated in a uniform manner under the workers compensation (WC) mechanisms of the various states. Some states have amended their workers compensation...

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  • What is a Claim?--Archived Article

    What is a Claim?--Archived Article A Treatise on What Constitutes a Claim Summary: This is an article written by Mr. Thomas M. Bower, a partner in the New York City office of Shaub, Ahmuty, Citrin & Spratt, LLP. Mr. Bower has concentrated his practice in the area of insurance and reinsurance...

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  • Conditions and Provisions - AAIS Homeowners - ARCHIVE

    Conditions and Provisions - AAIS Homeowners - ARCHIVE Conditions Applicable to Property and Liability Coverages Summary: The loss settlement provisions and conditions applying to the property and liability coverages of the American Association of Insurance Services (AAIS) homeowners forms are...

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  • Homeowners Pollution Exclusion

    Homeowners Pollution Exclusion The ISO and AAIS Forms Summary: The first party property pollution exclusion found in the homeowners forms developed by Insurance Services Office (ISO) and by the American Association of Insurance Services (AAIS) has been broadened considerably in scope when...

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  • The Business Pursuits Exclusion—Archived Article

    The Business Pursuits Exclusion—Archived Article Homeowners Section II Exclusion Summary: The homeowners business pursuits liability exclusion, which also appears in the dwellings program personal liability supplement, excludes coverage for liability arising out of business activities of...

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  • The Total Recall Brand Protection Policy-Archived

    The Total Recall Brand Protection Policy-Archived Underwriters at Lloyd's of London 1. INTRODUCTION. Manufacturers of consumable products (food, drugs, etc.) face the risk of having their products contaminated. Such contamination may happen accidentally or it may be the result of an intentional...

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  • Business Auto Form - Physical Damage Coverage - Archive

    Business Auto Form - Physical Damage Coverage - Archive Section III of the Auto Form Summary: Section III of the business auto coverage form (BAP) contains the provisions relating to physical damage coverage for a covered auto or its equipment. This article discusses the insuring agreement, the...

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