A carpenter built a garage building and, upon leaving, it burned down due to the improper extinguishing of a cigarette. Will the carpenter’s CGL cover the loss? Not according to the adjuster. Keep reading to find out why we didn’t think the reasoning on this claim denial was too hot….
Many businesses have extremely valuable information in electronic form. If your insureds have access to the information of others on their or a customer’s premises, how can it be insured from loss, in particular, theft? What if your clients’ own employees steal it? What if it’s stolen by computer hackers or burglars? Is it a…
A CGL endorsement excludes BI to anyone while involved in any sports or athletic contest sponsored by the insured. The insured sponsors a fishing tournament for kids. So the question is, does a fishing tournament constitute a sporting or athlethc contest?
You insure a homebuilder. Several years after selling a home, it burns down due to faulty installation of some electrical wiring and your insured is sued. Does he have any coverage under the CGL policy and, if so, under which one? Answer to both questions: It depends.
An insured owns a mini storage warehouse business. Customers rent space in which they store their personal property and have the right to add or remove their property as they wish. The insured only rents space but is concerned that, should he mistakenly remove or dispose of a renter’s property, would he be covered under…
One of the most debated provisions of the ISO Commercial General Liability policy is the “care, custody and control” issue, which actually involves several exclusions in the CGL. While it appears that we’ll never be able to resolve this dilemma, we will defend to the death our right to keep on debating it! Below is…
Many insurance policies exclude or limit coverage for damage to property in an insured’s “care, custody or control,” but what does that term really mean? While we’ll probably be debating this issue for years to come, in this article, we’ll take a look at an actual claim and discuss some of the critical issues that…
