Category: CGL

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….

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.

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?”

Understanding insurance policy language can be difficult. When you consider such language in the context of claim scenarios, understanding the implications of coverage (or lack thereof) can be even more difficult.

This article illustrates, to the tune of $24M, why it is critical to review contracts of insureds prior to the bidding process. Unless, of course, you sell a CGL policy that has no exclusions or limits.