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Commercial lines
Loss run time frame
I need loss experience data on one of my commercial auto clients. How much time does a company have to provide this information?
Employment practices liability insurance is a ‘special risk’
We’d like to confirm whether employment practices liability is exempt from rate and form filings in New Jersey.
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?