Commercial General Liability (CGL)

ISO promulgated two endorsements specific to e-cigarettes. One is an absolute exclusion and the second is a bodily injury only exclusion with a key exception. Be wary when either is attached.

ISO released three cannabis exclusion endorsements for use with the commercial general liability policy (CGL) with effective dates of December 1, 2019. All three endorsements exclude cannabis, two have a hemp exception, and one has a lessors’ risk exception.

With a very hard liquor liability coverage market, especially in dram shop law states, understanding liquor liability coverage is vital to agents writing bars, restaurants and taverns. When anyone is injured by an intoxicated individual, attorneys typically seek to suck in as many parties as possible to secure payment for the injured party. Liquor liability…

ISO is intent on developing cannabis-related endorsements. To date it appears that most are exclusionary endorsements. Because the federal government and the states seems to be on opposite sides of this debate, ISO needed to act on behalf of the insurance industry, which is stuck in the middle. This article addresses 11 of ISO’s recently…

ISO introduced five new cannabis exclusions for use with the BOP policy. Two of the five are essentially “absolute” exclusions and three have a hemp exception. This article introduces and explains these new endorsements.

Although marijuana and THC-containing substances are still illegal federally, individual states are making their own laws concerning these substances. The fact is, most states are in direct conflict with the federal government on this issue. With the feds and states on opposite sides, the insurance industry is stuck in the middle. This article tells you…

In 2019, ISO introduced three new construction-related endorsements. Two extended automatic insured status for completed operations and one waiving subrogation rights when required by contract. The industry asked and received.

Agents often get pulled into spots they don’t need to be; one of those is pulling MVRs for commercial auto clients. If asked to run MVRs for your commercial auto client, what should you do?

Mid-year premium growth reported by the 15 excess and surplus lines (E&S) stamping/service offices across the United States has reached almost $18 billion. Given the fact that the data reported is halfway through 2019, the growth represents a 12.68% increase over what was recorded at mid-year 2018.

During COVID, many if not most employees were assigned to work from home. Office-based operations discovered that remote employees may be just as efficient as they were in the office. Additionally, many businesses calculated how much they could save by lessening or totally eliminating their real estate spend. One result of COVID’s work-from-home (WFH) mandate,…