Craig
is
just
starting
out
with
his
business.
He
needs
an
insurance
policy
to
cover
his
liability
against
184
|any
unknown
defects
within
his
products.
Of
the
four
types
of
CGL
policies
listed
below,
which
offers
Occurrence
Policy
the
best
coverage
for
Craig's
business,
regardless
of
when
a
claim
is
filed?
Craig
must
close
his
business
for
three
months
after
being
injured
in
an
auto
accident.
When
Craig
recovers,
he
returns
to
his
shop
where
he
finds
broken
glass
and notices
some
of
his
supplies
have
185
:
T
.
;
:
:
Vacancy
been
pilfered.
Under
what
condition
in
his
commercial
property
policy
might
the
insurer
deny
coverage?
186
D'
Anton
spills
coffee
in
his
lap
while
driving,
causing
him
to
veer
off
the
road
and
smash
into
a
Collision
Coverage
telephone
pole.
Which
part of
his
Auto
Insurance
Policy
will
help
him
pay
for
the
repairs
to
his
car?
&
Dan
has
a
DP-3
policy
on
his
home.
During
a
storm,
a
tree
falls
onto
his
attached
garage.
The
tree
187
|crashes
through
the
garage
roof
and
lands
on
Dan's
water
softener
tank,
destroying
it
completely.
The
roof
AND
the
water
softene:
Which
of
these
damages
would
be
covered
under
Coverage
A?
Due
to
the
Liberalization
clause,
Daniel
has
had
his
homeowners
policy
with
ABC
Insurance
Co.
for
six
months.
In
a
recent
review
of
|
the
expanded
coverage
will
be
188
|its
policies,
ABC
Insurance
Co.
decided
to
remove
one
of
the
standard
exclusions
without
changing
|
offered
to
Daniel
in
writing
and
the
premium.
How
does
this
expansion
in
coverage
affect
Daniel?
he
has
the
option
to
accept
or
deny
the
change.
