Category: CGL

What Does “Direct Physical Loss Of Or Damage To Property” Mean?

In a recent COVID-19 business income lawsuit, the court opined that direct physical “loss of” property could include “loss of use of” that property. This is an erroneous reading of the policy form and certainly not the intent of the insurance contract. This article explains why that is and links to a more detailed discussion that refutes this interpretation.

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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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