Category: CGL

Onerous Certificate of Insurance Requests

Are you ever asked to issue a certificate of insurance attesting that just about everyone in the entire state is an additional insured on your customer’s CGL policy? If so, let’s hope the remuneration from the contract requiring this is worth essentially giving away the insurance.

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CGL Coverage For Damage To An Employee’s Property

Several employees were erecting an outdoor artificial Christmas tree when a part fell onto an employee’s auto and damaged it. A claim was made against the business named insured but denied by the adjuster, citing an exclusion for damage to property “owned by an insured.” The problem was, that’s not actually what the policy said….

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3 Fantastic New ISO Construction Industry CGL Endorsements

ISO has introduced three new long-needed CGL endorsements that will be heartily welcomed in the construction industry, two being automatic completed operations additional insured endorsements and the other an automatic waiver of subrogation form. In addition, this article answers the question, “WHY is ISO doing this?”

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A Certificate of Insurance Supreme Court Decision You MUST Read TODAY

If an agent says that someone is an additional insured on a certificate of insurance and they’re actually not, is the agent liable? Does such a misrepresentation by the agent create a liability for the insurer? Does such a misrepresentation override any disclaimers on the certificate? According to the Washington Supreme Court, the answer is “Yes, yes, yes.” Read on for the details and the lessons learned.

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