Commercial Lines

What makes an illness an “occupational illness” and compensable under workers’ compensation? More specifically, how does workers’ compensation respond to the latest viral panic, the Coronavirus?

In its December 2019 multi-state filing, ISO made alterations to its two existing wrap-up exclusionary endorsements, the CG 21 31 and the CG 21 54. In addition to these edits,…

There is an entire generation of insurance agents who are totally unaware that insured status has not always been extended to Trusts and volunteer workers in the commercial general liability…

Insurance Services Office (ISO) introduced several changes to liquor liability coverage in its most recent multi-state general liability filing. These changes include: 1) Four additional insured endorsements were created for…

Insurance Services Office (ISO), in its most recent multistate endorsement revision filing, made a minor change to 25 additional insured endorsements; brought two additional insured endorsements up-to-date and in alignment…

ISO promulgated two endorsements specific to e-cigarettes. One is an absolute exclusion and the second is a bodily injury only exclusion with a key exception. Be wary when either is…

ISO released three cannabis exclusion endorsements for use with the commercial general liability policy (CGL) with effective dates of December 1, 2019. All three endorsements exclude cannabis, two have a…

Like work-related bodily injuries, illnesses, sicknesses and diseases must be considered “occupational” to be covered by the workers’ compensation policy. Before an illness or disease can be considered occupational and…

Endorsements serve to alter any policy; this is true of workers’ compensation policies. This is a schedule and description of many workers’ compensation forms and endorsements.

Only “occupational” injuries are covered by workers’ compensation. To be “occupational” and thus compensable, the injury must “arise out of and be in the course and scope of employment.” All…