Virtual University

The CGL policy has several exclusions that apply to faulty workmanship. However, a number of courts have ruled that these exclusions are meaningless because damage to your own work (even…

There has been an increasingly disturbing trend of courts upholding claim denials based on property damage not arising from an “occurrence” in the CGL policy. Typically, these claims involve contractors…

The named insured is a corporation. The sole stockholder personally owns a piece of land on which the corporation parks its vehicles. A pedestrian tripped on the premises and is…

A restaurant was insured under a CGL with the CG 24 07 attached. A customer broke a crown eating a BBQ sandwich. The adjuster denied the $285 medical payments claim…

Recently our “Ask an Expert” service received two questions from agents in different states who had experienced the same claim. A restaurant customer broke a tooth on an olive pit…

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…

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…

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…

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…