Commercial Lines

The CGL and Trailers

A local community nonprofit organization is planning their annual festival. They always rent a large, 28-foot flatbed trailer to use as a stage for the bands and speakers. The organization’s…

Is It an Auto or Is It Mobile Equipment?

One of the most debated commercial lines issues is whether or not a vehicle is an “auto” or “mobile equipment.” When you carefully read the policy definitions, it’s amazing how…

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What is “Total Cost” as a CGL Premium Basis?

The ISO CLM specifies how a subcontractor exposure is to be charged, depending on whether the subcontractor is adequately insured or not. If adequately insured, premium is calculated on a…

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Hold Harmless Agreements Aren’t Harmless

Your insureds routinely sign hold harmless agreements with all kinds of entities…property owners, contractors, large corporations, municipalities, and others. How many of these contracts do you think are covered by…

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CGL Contractual Liability Coverage…Does It Override Exclusions?

An insured who leases premises accidentally damaged the building with a backhoe. He has a written lease on the premises and the lease makes him responsible for damage to the…

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The Devil Made Me Do It!

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…

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Is “Fire Legal” Liability Coverage Primary or Excess?

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…

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“Montrose” Endorsements

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…

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When Do “Occurrences” Occur?

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…

ISO’s 2004 Additional Insured Endorsements

ISO at first filed new additional insured endorsements seeking to eliminate coverage for the AI’s sole negligence. ISO then withdrew these endorsements and refiled revised versions. This article explains the…

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