When an insured disputes coverage or the amount of loss under an insurance policy, it frequently finds it necessary to hire a claims professional – a licensed public adjuster or other claim consultant, or an attorney for assistance.
Continue Reading What are the Boundaries of the Attorney/Client Privilege – Can a Public Adjuster Be a Part of Privileged Communications?

Contingent business coverage is a type of business interruption coverage intended to protect the “dependent business” from an external business income exposure. There are four (4) types of dependent business ISO endorsements:

  1. Contributing Premises, such as the businesses that deliver materials to the insured;
  2. Recipient Premises, such as the businesses that receive the insured’s products;
  3. Manufacturing Premises (businesses that make products for delivery to the insured), and
  4. Leader Premises, such as businesses that bring the customers to the insured.


Continue Reading Ownership of Interdependent Business Does Not Necessarily Foreclose Coverage – Understanding Business Interruption Claims, Part 84