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Commercial lines
Loss runs
What’s the requirement for companies to provide loss runs on request?
Cancellation notice—nonpayment
A general liability policy we sold was canceled for nonpayment, but our client says that they never received any prior notice. Doesn’t the company have to give direct notice to the insured?
Notice of renewal premium; policyholder rights
A client’s commercial auto premium jumped from $12,000 to $19,000 at renewal. The company did not notify the client until about 30 days into the new policy period. I thought there was supposed to be advance notice when the premium is going up this much. The company said the insured has to pay. What are the client’s rights?
Policyholder notice rights
A professional liability policy is being switched from one company to another in the same insurer group. In the process, the company is making significant changes to the policy. A major change is that the old policy did not contain an annual aggregate limit, while the new policy does apply such limit. Under Connecticut law, does the client have a right to be notified of the changes in policy conditions?
Completed operations
If a contract between a general contractor and a subcontractor contains a hold-harmless agreement that includes “any and all claims” (with no restriction to bodily injury or property damage and no specific reference to products and completed operations), will the subcontractor’s contractual coverage respond to a completed operations claim?
Umbrella drop-down provisions
We have an insured with an umbrella policy for $4 million in coverage, over a $1 million primary policy. If the carrier providing the underlying policy becomes insolvent, would the insured be able to collect on the umbrella policy?
Business interruption from power outage
Because of the storm, my client is without power and will be unable to operate his business until it is restored. Will the business income coverage be applicable to this loss?