Whether it's a tornado, hurricane, wildfire, or ice storm, many businesses suffer a financial loss due to off premises utility failure and/or spoilage. For insurance agencies, it's almost always a significant cause of E&O losses.

This one-hour session will examine the coverages provided under ISO forms, with special attention to problematic exclusions. Various endorsement that broaden coverage will be discussed, and "real world examples" will be used to illustrate how coverage works.