Engineer conducting a burn test on premises
Posted: Wed Apr 15, 2009 12:18 pm
Scenario: Engineer has a BOP and PL with CNA. He is conducting a class with insurance adjusters on the investigation of electrical fires. He will be conducting a burn test of an 8' X 10' mockup of a room (raised off the concrete) in the parking lot (with sufficient distance) and the Fire Department present.
He is asking for a special event policy but do you see anything that pops out at you indicating there would not be coverage on a standard BOP for something like this? I've read the policy and the pollution exclusion has a hostile fire exception and the insured has disclosed it to the underwriter.
The underwriter said "insured's policy is a Business Owners type of coverage - covering office exposure,
this event is out of the office - dealing with fire."
So I asked her to point to the part of the policy which excludes anything out of the office and she says she needs to review.
Thoughts?
He is asking for a special event policy but do you see anything that pops out at you indicating there would not be coverage on a standard BOP for something like this? I've read the policy and the pollution exclusion has a hostile fire exception and the insured has disclosed it to the underwriter.
The underwriter said "insured's policy is a Business Owners type of coverage - covering office exposure,
this event is out of the office - dealing with fire."
So I asked her to point to the part of the policy which excludes anything out of the office and she says she needs to review.
Thoughts?