Virtual University

Coverage While Loading or Unloading Nonowned Autos

An upscale art and frame shop is insured on a BOP policy. The insured owns no autos, so there is no business auto policy. In addition, there is no hired…

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Insuring Commercial Tenant Lease Requirements

A prospect’s lease requires that the tenant (him) be responsible for only the heating and air conditioning system (HVAC) under a provision that the tenant “maintain, repair and replace” the…

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“Pollution” Incident…BAP or CGL?

Leaked fluids from a wreck of two vehicles were not properly cleaned up by a private firm. As a result, a motorcyclist was seriously injured when he slid through the…

Car crash dangerous accident on the road. SUV car crashing beside another one on the road.

Should AI Endorsements Be Sent to Additional Insureds?

Many, if not most, certificates of insurance identify one or more parties as additional insureds. However, with several hundred non-ISO AI endorsements in the marketplace, many of these forms provide…

Adding End Users as AIs to Manufacturers’ CGL Policies

Your insured, a manufacturer, sells products that a very large customer buys and uses. The customer wants to be an additional insured on the manufacturer’s policy. The underwriter says that’s…

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Coding, Rating, and Coverage

Do you know how to code and rate commercial lines accounts? Do you understand the difference between coding, rating, and coverage? If not or you’re not sure, then take a…

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ISO’s “Fraudulent Impersonation” Crime Endorsement

The exposure to loss of money, securities, or other property due to trick, scam, etc. has been around for millennia, but from an insurability standpoint, traditional “ISO standard” insurance products…

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Commercial General Liability (CGL)

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