Insuring Leased Real Property…An E&O Time Bomb
Your insured leases (all or a part of) a building and the lease makes him responsible for damage to the HVAC equipment. The lease might also make him responsible for…
Commercial Lines
“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…
Additional Insured vs. Indemnitee: Are Contractual Liability Coverage and AI Status the Same Thing?
Agent question: “We have not been individually adding Additional Insured endorsements, relying on them being an indemnitee in the ‘insured contract’ wording of the CGL or BOP policies, which gives…
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…
CGL Coverage Under Open or Concealed Carry Firearms Laws
Many states have now passed open and/or concealed carry firearms laws. If a business owner or employee accidentally or in self-defense shoots someone, does the ISO CGL policy respond? This…
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…
Big “I” Applauds Senate’s Protection of Crop Insurance Program
WASHINGTON, D.C., Dec. 3, 2015—The Independent Insurance Agents & Brokers of America (IIABA or the Big “I”) applauds the U.S. Senate for today’s passage of a five year highway bill…
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…
Big “I” Praises House for Protecting Crop Insurance Program
WASHINGTON, D.C., Dec. 3, 2015—The Independent Insurance Agents & Brokers of America (IIABA or the Big “I”) applauds the U.S. House of Representatives for today’s passage of a five year…
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