Commercial Lines

“War and terrorism risks” are among the most severe issues facing organizations doing business outside the United States and, with an increasingly global economy and internet sales, more and more…

An increase in rates/premiums has been predicted for a while, though not yet widespread. But, there is evidence that the time is coming. Don’t let your insureds be blindsided. In…

An agent writes, “We seem to have some major disagreement within the office here as to whether a GL loss should be reported to the excess carrier. A few people feel…

Below is an “Ask an Expert” question we received involving a Business Owners Policy. While we attempted to address the coverage issues raised from the standpoint of the BOP, it…

An insured that does metal heat treating has a manuscript CGL endorsement that provides $250,000 care, custody or control coverage. He treated parts for another fabricator and they cracked when…

It seems that the saga of what is a pollutant will never end. From a Clorox bleach spill (and slip and fall) in a grocery store, to an overturned milk…

Based on the number of “Ask an Expert” questions we’re getting, there appears to be an increasing use of the the CGL “Designated Premises” endorsement. Generally speaking, this is something…

A lawn maintenance company was hired to fertilize a residential client’s lawn. The lawn was damaged by the application of the incorrect fertilizer and needed to be replaced. The carrier…

The CG 22 92 purports to extend completed operations coverage to snow plow operations via exception to CGL Exclusion g. However, this flies in the face of most interpretations that the CGL…

One of the most common contractual requirements your commercial insureds face is a requirement to waive a right of subrogation. Most often, these waivers are one-sided when it comes to…