Property
Auto
Liability
Farm
Miscellaneous
100

What exposure would we set for employee stealing inventory from insd boutique?

No exposure set.

100

Insd struck bicyclist causing injuries and damaging bike, no damage to insd veh.  What exposures would be set?

  • INSD Vehicle: Liability - Personal Property and  Liability - Bodily Injury 
100

Clmt tripped and fell at job site insd was doing construction on.  would you select on liability exposure guidance to tell you what exposure to set? 

Bodily Injury Core Construction Claim 


100

Insd's crop was destroyed by insects.  What exposure will you set?

  • Create the exposure Insd Location: Farm Personal Property (Scheduled) - Personal Property
100

What claim type is it ok to go look for coverage under additional coverage even if guided help does not tell you to ?

OCAS general  liability

200

Insd's John Deer Tractor caught on fire and is completely totaled. What exposure would be set?

No exposure set

200

Insd had customer's vehicle at their shop and someone broke in shop and stole customer's veh. What exposure would we set? 

Choose by Coverage Type: Garage Keepers - Covered Autos COMP

200

Clmt tripped and fell at insd store. Insd calling just to put us on notice but does not really want to make a claim. What exposure would be set? 

If filing a report/notice only claim, DO NOT set any liability exposures

200

Insd struck a vehicle in their tractor causing veh damage and injuries to driver.  What exposures will you set? 

 Farm Liability Vehicle  and

Farm Liability Bodily Injury

200

Insd veh struck deer and the Maine State HWY Patrol had veh towed to Bob's Tow yard  Insd has liability coverage only.  What exposure would we set?

Property Damage - Comprehensive - Vehicle OR Property Damage - Specified Cause of Loss

300

Insd's tools stolen out of veh parked in insd parking lot. -Coverage is shown on the exposure drop down.  What exposure will be set?

  •  Business Personal Property - Personal Property
300

Insd was driving a veh they rented from Enterprise when they rear ended clmt veh . Both vehs damaged.  Which exposures would be set?

INSD VEH

Policy Level Coverage > Hired Auto > Property Damage – Collision  OR 

  • Policy Level Coverage > Non-owned Auto > Non-owned Auto > Vehicle.

CLMT VEH 

  • Choose by coverage type > L – Liability – Property Damage > Liability – Property Damage - Vehicle
300

Clmt broke tooth on olive pit in salad at insd premises.  What exposure will you set?

Choose by Coverage Type: Products Liab  Products Liability Bodily injury

300

Lawn mower caught fire in insd's shed burning down shed and damaging tools, which exposures will be set?

 Insd Location: Barns, Out Buildings & Other Farm Structures - Property 

and

Insd Location: House Hold Personal Property - Personal Property

300

Insd tools stolen from job site. What exposure will be set?

No exposure set

400

Insd's walk in freezer stopped working. What exposure would we set?  

We would not set an exposure since an equipment breakdown claim

400

Insd was driving and swerved to avoid collision, no veh damage but insd is complaining of stiff neck.  Policy state is FL. What exposure would be set?

Choose by Coverage Type: PIP - Medical

OR

Choose by Coverage Type: Default Auto - PIP

400

Clmt is alleging construction defect to their home where insd installed windows in 2018. Insd was named in tender.  What exposure will you set?

Choose by Coverage Type >Products/Completed Operation Liab > General or if not available, select Products Liability

400

Hail storm damaged insd's roof on house and barn, broke windshield on their 2024 Ford Ranger and  killed baby calves. How many exposures will you set?

3

400

What claim type is Cyber One exposure for?

Data Compromise/Cyber Liability -GL 

500

Insd's trees were knocked over by wind and fell on patio furniture damaging it at insd premises .  Which exposures would be set assuming we find loss address?

 Building - Property and Business Personal Property - Personal Property

500

A neighbor's  dog ran across street and insd hit dog and damaged veh.  The dog has vet bills and will be ok but neighbor wants help with vet bill.  What exposures will be set? 

INSD Vehicle: Property Damage - Comprehensive

and

INSD Vehicle: Liability - Personal Property


500

Clmt filed lawsuit against insured for defamation. What exposure will you set? 

Personal Injury Liab > General

500

What is insd home considered when setting exposure on farm policy?

Dwelling

500

What box do we have to close to find correct exposure type for injured driver or injured passenger in insd veh?

Insured DRIVER or PASSENGER(s) injured - Med Pay

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