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Coverage issues
Binder time frames
What is the law in New Jersey with regard to the length of time allowed for binders?
Fuel oil liability
I have an insured that just discovered a leak in their fuel tank. The forensic engineer stated that the leak first occurred 15 years ago and has been continually leaking ever since. My insured first purchased the home 10 years ago and has had a couple of different carriers since then. Will there be coverage in effect with each of these carriers and also with the carrier of the prior owner?
ISO rules regarding service garage risks
Under ISO rules effective Sept. 1, 2002, in New Jersey, service garage risks are no longer eligible for a garage policy. How does this affect my policyholders?
Electric scooters
Does a homeowners policy cover your liability if you cause property damage or bodily injury while riding an e‑bike or electric scooter?
Coinsurance on a business income policy
What does the coinsurance value of 125% on a Business Income policy mean?
Business interruption—curfew
Will business interruption coverage apply to income losses resulting from the orders of curfew?