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Body: ​Refund policy by Nick Youngson CC BY-SA 3.0 Pix4free​We've been receiving one question a lot recently. It's so common that it's worth a post for all Big I New York and Big I Connecticut members to read. This recent email is representative:“Client was non-renewed approximately five years ago by Acme Insurance for his auto, home, and fire dwelling policies. Apparently, one was not non-renewed, and the premiums were paid out of his escrow account. We replaced the coverage in the meantime. Client recently discovered the error. In a case of duplicate coverage, where can I find out the law? The carrier will not go back…

Abstract: If the store sells beer, it's vulnerable to potential lawsuits. Body: ​ Question from a Big I New York member: “Does a grocery or supermarket selling beer need Liquor Legal Liability Coverage? In my mind, and I may be very wrong, a bar serving liquor needs it as they have a responsibility not to serve people who look or sound intoxicated. Can you make a cashier working in a supermarket or grocery assessing customers if they are intoxicated before checking out wine or beer liable for an injury?" Answer: In my opinion, yes, it needs Liquor Liability Coverage. Reasons: They sell alcoholic beverages. If…

Abstract: Since both the CGL and OCP policies will conceivably provide coverage, the insurer is justified in using the same premium basis for both. Body: ​Question from a Big I Connecticut member: "I was hoping you could provide clarity for me and a client of ours.  They’re a general contractor and will be taking on a project which requires an Owners and Contractors Protective Liability (OCP) policy.  How would this impact our General Liability and Workers' Compensation policies which are currently in place ? Would we include the sub costs for the project requiring the OCP as part of our GL sub costs for rating purposes? …