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Coverage Part B of the CGL is often overlooked. The focus seems to be on Bodily Injury and Property Damage (Coverage Part A); however, personal and advertising injury is an…

Social inflation refers to factors unrelated to general inflation in the economy that underlie rising court awards. Although there are some who deny the existence of social inflation, the preponderance…

Charts are probably the most helpful resource for keeping track of key Homeowners’ policy provisions. Being able to see key information in one, easy-to-read form aids in memory and retention;…

The NFIP has promulgated a new rating program for all flood policies – Risk Rating 2.0. The goal is to modernize flood rating using technology and history to develop somewhat…

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?

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…

Distracted drivers are not the only danger on the road; a new study indicates that people coping with three different sleep-related ailments — insomnia, sleep apnea, and shift-work disorder —…

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…

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.…

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…