• October 21, 2008 |

    What Is Collision - Archive

    Collision coverage is offered on the PAP. Some dispute may arise over the exact meaning of collision. This article discusses certain loss situations and court decisions to help understand just what collision is.

    1 minute read

  • October 16, 2008 |

    Commercial Output Program XL (COP - XL)

    This AAIS commercial output policy was designed for the largest commercial accounts. Building on the existing COP program, COP - XL contains broader coverages and higher limits. Articles compares the COP - XL to the AAIS COP Program.

    1 minute read

  • August 5, 2008 |

    Comparison of AAIS Homeowners Form 3 To ISO Homeowners Form 3

    Chart comparing the new AAIS Homeowners form to the existing ISO Homeowners form.

    1 minute read

  • August 4, 2008 |

    Vermin Includes Pigeons?

    Discusses if pigeons may be classified as vermin under a commercial property policy.

    1 minute read

  • August 1, 2008 |

    Vermin Exclusion - Are Raccons Vermin?

    Are raccoons vermin?

    1 minute read

  • August 1, 2008 |

    Vandalism versus Hard Living

    Discusses vandalism versus excessive wear and tear.

    1 minute read

  • July 25, 2008 |

    Volunteers and Club Members - Insured under the CGL Forms?

    Members of an Audubon Society and of a church are questioning whether they have coverage under the respective organizations’ commercial general liability (CGL) policy.

    1 minute read

  • July 24, 2008 |

    Vandalism as Cause of Loss - ARCHIVED

    This discussion deals with the evolution of the meaning of vandalism, and cases involving vandalism and concurrently occurring or resulting damage.

    1 minute read

  • July 24, 2008 |

    Difference in Conditions (DIC) Policies

    DIC policies are most commonly used to provide additional limits of coverage for certain commercial property perils or to fill in coverage for perils that are excluded in standard commercial property policies.

    1 minute read

  • July 16, 2008 |

    Effect of Insureds' Declarations or Statements - Archive

    Misrepresentation in obtaining insurance can void coverage. Most policies contain provisions stating fraud or misrepresentation voids the policy. This reviews misrepresentation and fraud clauses and state laws.

    1 minute read