Category: CGL

Your insured has entered into a contract requiring that the other party be provided CGL additional insured status for two years beyond the completion date of the work. If asked to confirm that the insurance provided by the agent complies with the contract, how should the agent respond?:

Many insurance policies cover a lot of loss exposures, but none cover EVERY loss exposure. Sometimes this is hard for a consumer or business owner to understand. Why did someone pay a lot of money for insurance that doesn’t cover what happened? This article is about a recent email I received from a consumer and how I explained the lack of coverage.

You attach a “broadening” endorsement to a policy, thinking that it provides a needed coverage, then a claim occurs and you find that the “broadening” endorsement doesn’t broaden as much as you thought. Here’s an example of that….

A hardware store negligently performed an oil change on a lawn tractor. When the mower was used by the customer, the oil leaked out, damaging the engine. The store’s CGL insurer has denied the claim, citing a “classification” endorsement that applied to “hardware stores.” Is this a justifiable denial?

For years I have recommended not adding extraneous information on certificates of insurance requested by additional insureds, but rather sending them the actual policy language. In this article, I explain why.

An insured enters into a contract that requires a $2M umbrella. The insured has a $5M umbrella, but only wants to show $2M on the certificate of insurance. What should you do?