Many states have now passed open and/or concealed carry firearms laws. If a business owner or employee accidentally or in self-defense shoots someone, does the ISO CGL policy respond? This article answers this question and links to another article about HO policies.
Your insured has BAP Symbol 9 nonowned auto coverage which extends coverage to the named insured while employees use their autos on business. However, what if the named insured uses independent contractors who operate their own autos…is the named insured still covered? What if the named insured only has a CGL policy?
In response to the “Rise of the Drones” (not to be confused with the “Rise of the Planet of the Apes”), ISO has filed new and revised policy provisions for its CGL and Commercial Umbrella programs. This article was written by VU faculty member Mike Edwards for Louisiana Big “I” agents and he had graciously…
One of the most litigated provisions in the ISO CGL policy is the pollution exclusion. But what we have found via our “Ask an Expert” service is that often claim denials are made without regard to the requirement that the BI or PD arise from the “irritant” or “contaminant” nature of the “pollutant.”
Your insured is a pool contractor. If he damages the pool’s liner, causing a leak, does his CGL cover him? What if he needs to drain the pool for maintenance and it pops out of the ground overnight following a heavy rain…does his CGL cover him?
There is increasing interest in, and use of, drones for various business activities, from real estate agents to contractors. Unfortunately, there is little, if any, coverage under most CGL and other commercial liability policies. However, ISO has introduced a bevy of endorsements to clarify coverage (or lack thereof) or provide some degree of optional coverage.…
A painter paints vinyl siding a darker color. When the newly painted vinyl siding is exposed to direct sunlight, the painted siding warps. Does the painter’s CGL policy respond to the resulting property damage claim from the homeowner? To answer the question of whether the homeowner’s HO policy might respond, check out this VU article.
To determine whether a claim is covered, we usually start with the Insuring Agreement. If that’s triggered, we then look to the Exclusions to see if coverage for the claim is removed. However, sometimes that’s not enough. In this claim, after reviewing the exclusions, you have to visit the “Who Is An Insured” section of…
It seems that the saga of what is a pollutant will never end. From a Clorox bleach spill (and slip and fall) in a grocery store, to an overturned milk truck in a trout ranch pond, the pollution exclusion has often been used to deny claims… sometimes successfully (the milk spill) and sometimes unsuccessfully (the…
An insured that does metal heat treating has a manuscript CGL endorsement that provides $250,000 care, custody or control coverage. He treated parts for another fabricator and they cracked when being tested prior to final use, allegedly due to an excessive hardness level that arose from the treatment. Estimated damages are $800,000. Is this a…
