When my plumbing contractor husband recently renewed his general liability coverage, he asked our agent if he would have coverage if his employee installed a gas water heater and it…
The Coronavirus created many growth opportunities for today’s commercial and residential contractors. Now is the time for agents to query their contracting clients to ensure their clients have made no…
If you’ve ever heard that a crushed grape was considered a pollutant, you need to read this report.
Insurance Services Office (ISO) has introduced four new earth movement exclusions with effective dates of 12/1/19. Three are designed for use with the commercial general liability (CGL) coverage parts; and…
Decisions addressing the applicability of exclusions j.(5) and j.(6), given their often fact-intensive nature, are sometimes complex. But not MTI, Inc. v. Employers Insurance Company, No-17-6206 (10th Cir. 2019). It…
Insurance carriers may now have boundaries by which the “absolute” pollution exclusion can be applied, at least in Washington state. But the boundaries are pretty well laid out by two…
The California Appeals Court recently ruled on the application of the CGL’s j(5) and j(6) exclusion in regard to construction defect cases. This article highlights the key findings in the…
The “absolute pollution exclusion” may be the most misunderstood and misapplied exclusion in ISO’s commercial general liability policy. Carrier are misapplying for one of two reasons: 1) they really don’t…
Amazingly claims adjusters still believe the commercial general liability’s (CGL’s) “absolute” pollution exclusion is, in fact, absolute. Bizarre stories abound of claim denials arising out of misapplications of the exclusion.…
You insure a residential painting contractor. Many of his customers give him access to their homes when they are not around. What if he damages the premises while having sole…
