Category Archives: Coverage Questions

How to Tell if Your Clients Need Discontinued Product Coverage

An Iowa agency insured a plumbing and heating business with a CGL policy on a standard CG 00 01 occurrence form for many years before it closed in summer 2014. In spring 2015, a minor fire resulted from a furnace … Continue reading

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Something New: Renting the Driveway

Finding a public parking spot in a congested urban area can be a big problem these days. A company by the name of ParXit has developed a potential solution for the problem. ParXit provides an online platform that enables a … Continue reading

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Meteorite Damage: Is It Covered?

The fireball that streaked across the Russian sky on Feb. 15, 2013, was an awesome sight. But the subsequent explosion of the meteorite created a shock wave (a “sonic boom”) that shattered acres of windows and collapsed roofs, leaving damage … Continue reading

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Two Storms… Two Deductibles?

IIAT has fielded a number of calls recently from San Antonio and Dallas area agents. The questions concern how companies are supposed to handle repeat storms over the same area in a short number of days. While IIAT agrees there … Continue reading

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Suspending Coverage on the BAP

If a policyholder asks you to delete an auto or suspend coverage for a period of time because the vehicle isn’t being used, how should you respond? There are a number of reasons the policyholder may give for wanting to … Continue reading

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Ask Regina: What Business Use Is Excluded in the PAP?

Q. Recently, an IIAT member contacted me about the following scenario. One of their insured’s was parked and his vehicle was hit by a van owned by a plumbing company. The plumbing company’s adjuster denied the claim because the van … Continue reading

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Travel and Camper Trailer Accidents

If someone is injured in an accident involving your customer’s travel trailer while it is parked at a campground, should the accident be reported to the customer’s auto insurance carrier or the homeowners carrier? How about an accident outside the … Continue reading

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A Combustible Combo: Cars & Bad Gas

Recently, a member related to me that the one of their insureds with a PAP received some contaminated gasoline that caused damage to his vehicle. The member agency submitted the claim to the insurance company, but they denied the coverage under the mechanical breakdown exclusion. The … Continue reading

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