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When Does Injury or Damage “Occur”?

An agent asks: When coverage is provided by two different carriers for two different policy periods and injury or damage occurs, which CGL policy should respond to the loss?

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Addendums to COIs: Bad, But…

Agents may be asked to complete an addendum to a certificate of insurance; in fact, the agency may almost be forced to do so. Should the addendum be completed? The…

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Left right human brain concept. Creative part and logical part with social and business part. Creative art brain explodes with paint splatter. Mathematical successful mindset with formulas.

Evolution of ISO General Liability Classifications

ISO is making MAJOR changes to the CGL classification system in 2022. These changes are the result of new technologies, new risks, and the need for greater granularity. We need…

STDs and the Personal Auto Policy: Part 2 of 3

While the ISO personal auto policy appears to wholly exclude any coverage for a person contracting a STD in an auto, this is not necessarily true of all coverage forms.…

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STDs and the Personal Auto Policy: Part 1 of 3

Does the personal auto policy extend coverage for a STD supposedly contracted in an insured auto? Well, “disease” is within the definition of bodily injury and there is no specific…

Understanding the Unique Facets of Flood Insurance: CBRA Zones and Otherwise Protected Areas (OPAs)

Flood insurance is, unusual. A flood policy essentially covers one peril but is surrounded by many unusual facts and facets that make flood coverage unlike any other. Agents must understand…

04 February 2019 Townsville, Qld - Suburbs adjacent to Townsville's Ross River were flooded when two millions litres of water was released every second from the city's dam. Unprecedented rainfall in the week leading up to this event saw the dam's level rise to nearly 250% - Photo: Cameron Laird (Ph: 0418 238811 - cameron@cameronlaird.com)

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