A contractor was building a detached residential garage when he accidentally burned the completed structure down. The CGL adjuster denied the claim based on this being damage to “your work.” Is that correct?
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An insured does work for a customer and later does work unrelated to the past work, but faulty workmanship results in damage to the prior work. Do the CGL policy “your work” exclusions apply?
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A certificate of insurance says that someone is an additional insured. They’re not. Is the agent liable for issuing a misrepresentative COI? What about the insurer? Should COIs be sent to insurers? Should AI endorsements be sent to additional insureds?
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“An employee of the business we insured accidentally damaged large steel rolling doors in the warehouse while operating a forklift truck. Is there coverage under the 2013 ISO CGL policy for this type of claim?”
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If you are in a major downtown area, the chances are good that you can rent an electric scooter for local transportation. However, what if there’s an accident with serious injuries that, according to news accounts, is happening with increasing frequency and severity. Is there any insurance to be had?
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You’re asked by a business partner of your insured if coverage is provided by a particular ISO policy form “or its equivalent.” How do you know if a carrier policy form is pure ISO, modified ISO, or proprietary, and whether it’s “equivalent”? Or, you just attended a seminar or webinar on homeowners insurance using the ISO forms and you want to know whether your HO insurers are pure ISO or something else. How do you tell?
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I have been writing about the Do’s and Don’ts of certificates of insurance for well over a decade, but the questions simply won’t go away. This article is a compilation of what I believe are the five most common COI questions I’ve received.
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BONUS! Purchasers of this book get a free PDF download of my book “QuoteNotes: The Ultimate Quotational Reference System and Authoring Tool for Professional Speakers and Writers” endorsed by Zig Ziglar and Brian Tracy. This is an indexed and cross-referenced compilation of my 1,500 favorite quotes and includes a section on how to use quotations in your speaking and writing.
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