Coronavirus and Workers’ Compensation
What makes an illness an “occupational illness” and compensable under workers’ compensation? More specifically, how does workers’ compensation respond to the latest viral panic, the Coronavirus?
VU Resources
Wrap-Up (CIP) Endorsements for the CGL
In its December 2019 multi-state filing, ISO made alterations to its two existing wrap-up exclusionary endorsements, the CG 21 31 and the CG 21 54. In addition to these edits, ISO also made available two additional wrap-up exclusionary endorsements, the CG 40 07 and the CG 40 08.
Insuring Trusts and Volunteers in Liability Coverage Forms
There is an entire generation of insurance agents who are totally unaware that insured status has not always been extended to Trusts and volunteer workers in the commercial general liability (CGL) policy. After all, these entities and individuals were first granted insured status near the turn of the century, way back in the 2001 edition…
“Dagger” or Plus Symbol Classes: What They Mean
Nearly 40% of ISO’s general liability class codes are, what some call, “dagger” codes. All a “dagger” classification does is rearrange where the products and/or completed operations coverage is found.
Liquor, Liquor Everywhere, But None to Drink
Insurance Services Office (ISO) introduced several changes to liquor liability coverage in its most recent multi-state general liability filing. These changes include: 1) Four additional insured endorsements were created for use with the Liquor Liability coverage form; 2) The CG 20 01 – Primary and Noncontributory – Other Insurance Condition endorsement is now available for…
CGL Additional Insured and Insured Status Endorsement Changes
Insurance Services Office (ISO), in its most recent multistate endorsement revision filing, made a minor change to 25 additional insured endorsements; brought two additional insured endorsements up-to-date and in alignment with most the construction-related additional insured endorsements; added three new non-construction AI endorsement triggered by the presence of a contractual requirement for AI status, and…
Excluding Electronic Smoking Devices (E-Cigarettes)
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.
Cannabis Exclusions for the CGL
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.
When is an Illness, a Sickness, or a Disease Covered Under Workers’ Compensation?
Like work-related bodily injuries, illnesses, sicknesses and diseases must be considered “occupational” to be covered by the workers’ compensation policy. Before an illness or disease can be considered occupational and thus compensable under workers’ compensation two tests must be satisfied: 1) The illness or disease must arise out of and be in the course and…
Common Workers’ Compensation Forms and Endorsements Descriptions
Endorsements serve to alter any policy; this is true of workers’ compensation policies. This is a schedule and description of many workers’ compensation forms and endorsements.
