SW has unmatched experience the field of commercial property insurance coverage. Our office routinely counsels domestic, London-based and Bermuda-based clients on a wide variety of commercial property exposures, including specialized & unique risks and corporate blanket risks insured under standard and surplus lines property policies providing a wide variety of property, business income and extra […]

Manuscript policies are drafted for a particular insured or a particular risk. SWH routinely handles risks and coverage issues raised by manuscript policies, and also assists in drafting manuscript policies, forms and endorsements to address specific risks to be insured or excluded.

Difference In Conditions policies provide coverage for perils either not insured or insured to inadequate limits by standard commercial property policies, usually for catastrophe events including flood, hurricane, earthquake, or specific risks more fully described by the DIC form. SWH attorneys have extensive experience addressing DIC coverage and its interaction with standard commercial property policies.

Builders Risk coverage applies during the course of construction to address risks and losses particular to a construction project and can be provided by stand alone policies, large project program policies or as endorsed coverage on large blanket property policies. SW attorneys handle Builders Risk exposures ranging from moderate projects through one-of-a-kind complex risks and […]

Fine Arts policies provide coverage for fine art, antiques and expensive collectibles not typically covered by standard property policies. Jewelers Block policies provide coverage for physical loss or damage to precious and semi-precious stones, jewels, jewelry and precious metals that is the stock of jewelry retailers, wholesalers and manufacturers. Fine Arts and Jewelers Block policies […]

Boiler and machinery insurance, also referred to as equipment breakdown coverage, provides coverage for risks such as boilers, generators, transformers, electrical switchgears, motors, and voltage regulators. Boiler and machinery insurance also extends coverage to protect against exposure from fire, explosions, and violent mechanical breakdowns. The policies may also provide time element coverage to pay for […]

Inland Marine policies provide coverage for certain categories of movable business property, property in transit, or equipment or other property located away from the policyholder’s business premises, instrumentalities of transportation such as bridges, roads and piers or instrumentalities of communication like television and radio towers and legal liability of bailees for customer’s property within their […]

Warehouse/bailee liability and intransit cargo losses are often covered under specialized inland marine coverage forms.  SWH handles a wide variety of warehouse and cargo claims as well as the contractual agreements, UCC and Carmack Act liabilities associated with bills of lading, warehouse receipts, motor truck cargo, freight forwarding, and other common carrier shipments or storage.

Homeowner’s policies are multi-line insurance policies that protect the residence, its contents, loss of use, including additional living expenses, and loss of other personal possessions of the homeowner, as well as liability for accidents that may happen at the home or at the hands of the homeowner within the policy territory. SWH attorneys have extensive […]