Commercial Lines

The CGL and Swimming Pool “Pop-Ups”

Your insured is a pool contractor. If he damages the pool’s liner, causing a leak, does his CGL cover him? What if he needs to drain the pool for maintenance…

Drivers, Local Authorities Deal with Tough Winter’s Potholes

ALEXANDRIA, Virginia, March 10, 2015 — Poor road conditions have cost consumers and the insurance industry at least $27 billion over a five year period, according to a 2014 survey…

Frozen ice covered plants in hoarfrost with light bokeh. Gentle winter background with sun flare. Winter natural plant background in cold blue tones. Selective focus.

Should CGL and BAP Be Written in the Same Insurer?

One of the most common claim scenarios reported through the VU “Ask an Expert” service involves injury or damage arising from the loading or unloading of a vehicle or its…

Paper contract form with a signature about to be signed on a signature field.

Is DOC Needed if the BAP Has Symbol 1?

A commercial prospect’s CEO drives a company car. The current agent told the CEO that DOC coverage is not necessary if Symbol 1 coverage is used for liability since it…

Drones and the ISO CGL Policy

There is increasing interest in, and use of, drones for various business activities, from real estate agents to contractors. Unfortunately, there is little, if any, coverage under most CGL and…

Is It ISO or Is It Memorex Insurance Company?

Are you ever confused about whether a particular policy form is a pure ISO form, a modified version, or a proprietary insurer form? This article provides a three-test approach for…

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