Your insureds routinely sign hold harmless agreements with all kinds of entities…property owners, contractors, large corporations, municipalities, and others. How many of these contracts do you think are covered by…
An insured who leases premises accidentally damaged the building with a backhoe. He has a written lease on the premises and the lease makes him responsible for damage to the…
If you recall the old Flip Wilson TV show, he had a recurring sketch with the theme “The devil made me do it!” In the routine, his alter-ego, Geraldine, would…
The insured negligently caused a fire to his own rented area. It was paid under the landlord’s property policy and now they are subrogating against the insured tenant. The insured’s…
In 1999, ISO, following the lead of a number of companies, introduced a series of new and revised “Montrose” endorsements for the CGL program. This filing was prompted by a…
One of the most often misunderstood insurance issues involves what event triggers coverage under a liability policy? Is it when the negligence occurs or when, possibly years later, the BI…
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ISO at first filed new additional insured endorsements seeking to eliminate coverage for the AI’s sole negligence. ISO then withdrew these endorsements and refiled revised versions. This article explains the…
A third party wants a lengthy list of additional insureds to be added to a certificate of insurance. After cajoling by the agency, the underwriter issues the AI endorsement but,…
Recently, our “Ask an Expert” service received a rash of “cross liability” questions. The term “cross liability” deals with whether or not one insured can sue another under a liability…
