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…
Commercial Lines
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…
The BAP and Automatic Trailer Coverage
The owner of a large commercial account is loaning his nonresident daughter a Ford F350 pickup for a week in order to relocate a horse in the horse trailer that…
The Insurance Implications of the U.S. Supreme Court Same-Sex Marriage Ruling – Commercial Lines Edition
On June 26, 2015 in Obergefell v. Hodges, the U.S. Supreme Court in a 5-4 decision ruled in favor of same-sex marriage. So what does this mean for you and…
Policy Form Edition Dates and Why They’re Important
One of the most frustrating types of questions received by the VU “Ask an Expert” service usually begins with, “Does ‘a’ homeowners policy cover…” or “Does ‘a’ BOP cover….” The…
CGL Policies Don’t Cover Auto Accidents…Or Do They?
Your insured has BAP Symbol 9 nonowned auto coverage which extends coverage to the named insured while employees use their autos on business. However, what if the named insured uses…
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