Should certificate holders be notified when a policy is cancelled? If not, why? Also, what coverage information should be added to a certificate, such as additional insured and contractual obligations?
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Businesses that deliver products, from furniture stores to HVAC contractors, have an auto loading and unloading exposure. If property not in their care, custody or control is damaged during loading or unloading, is that covered by a CGL or a BAP (or PAP) policy?
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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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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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Last year I authored a monthly column in the Insurance Journal magazine that provided an overview of my book “When Words Collide: Resolving Insurance Coverage and Claims Disputes.” This year, I am doing a new column called “Logic & Language, Forms & Facts” which applies the lessons in the book to actual claims.
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It is important to QC policy deliverables to see what unrequested policy forms have been added and, where possible, to negotiate their removal or modification. One of the greatest offenders are “special condition” endorsements.
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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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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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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.
To get BOTH books at a discounted price, click the book cover or CLICK HERE.