• Ransomware - Archive

    Ransomware - Archive Summary: According to the latest news on cyber-crime, costs to businesses are expected to escalate to an estimated $8 trillion over the next five years, with the majority of these costs expected to impact small to medium-size businesses. With the increase in widespread and...

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  • Premises Liability-ARCHIVE

    Premises Liability-ARCHIVE Status of the Classification System Summary: One important factor in determining the premises liability of a landowner to those who are injured on his property is knowing the landowner's duty and his relationship to the injured party. Under the traditional...

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  • Autonomous Vehicles-ARCHIVE

    Autonomous Vehicles-ARCHIVE Introduction The topic of driverless cars has caught the imaginations of many people. Who wouldn't want to relax as his car drove him to work, then parked itself? Families could reduce the number of vehicles they own if mom could take the car to work then send it home...

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  • Product Withdrawal Coverage Form--Archived Article 3

    Product Withdrawal Coverage Form--Archived Article 3 Summary : The standard CGL form excludes coverage for damages claimed for any loss, cost, or expense incurred by the named insured or others for the withdrawal of the named insured's product from the market. As a remedy for this lack of...

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  • Water Exclusion Clause—Archived 2015

    Water Exclusion Clause—Archived 2015 In Property Insurance Forms Summary : A standard feature of property insurance forms is the exclusion of various categories of loss associated with water. The water exclusion clause in the commercial property program (Insurance Services Office forms CP...

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  • Asbestos Abatement Exposures—Archived Article

    Asbestos Abatement Exposures—Archived Article An Insured Could Face Legal Liability The United States Environmental Protection Agency (EPA) has estimated that more than 730,000 public buildings (excluding residences) and 31,000 schools contain some type of asbestos. The number of...

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  • Employee Theft and Forgery Policy—Archived Article

    Employee Theft and Forgery Policy—Archived Article Discovery and Loss Sustained Forms Summary : The employee theft and forgery policy was updated in 2013. Changes have been made for clarification purposes and to keep up with changing technology. The policy is still very similar to the...

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  • Farm Property – Farm Personal Property Coverage Form, FP 00 13, Coverages E and F - ARCHIVE

    Farm Property – Farm Personal Property Coverage Form, FP 00 13, Coverages E and F - ARCHIVE Scheduled and Unscheduled Farm Personal Property Summary: Up to this point, the farms discussion has covered the “personal” exposures of the farmer, indicating many similarities to the homeowners...

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  • Florists - Archive

    Florists - Archive ISO Market Segments Program Summary: The Insurance Services Office (ISO) has developed a market segments program providing specialized coverage for certain specialty insurance markets. This program offers wrap-around endorsements that are used to enhance the coverages provided...

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  • Apartment Building Owners - Archive

    Apartment Building Owners - Archive ISO Market Segments Program Summary: The Insurance Services Office (ISO) has developed a market segments program providing specialized coverages for certain specialty insurance markets. This program offers wrap-around endorsements that are used to enhance the...

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