Fatal Work Injuries and the Most Dangerous Occupations
Fatal work injuries in the United States dipped slightly in 2017 to 5,147 from the 5,190 fatal injuries reported in 2016 according to the U.S. Bureau of Labor Statistics. Likewise,…
Commercial General Liability (CGL)
Exclusions j.(5) and j.(6): Appeals Court Provides a Simple Tutorial
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…
Warren Buffett Champions an Inferior Product
Warren Buffett introduced the newest insurance disrupter – the THREE. As the name suggests, this is a three-page insurance policy intended for small businesses. If that isn’t amazing enough, this…
Construction Site Bodily Injury Exclusion Applies to Both Upstream and Downstream Employees
Over the past few years liability insurers have been adding endorsements to attempt to limit their exposure for bodily injury claims on construction sites (not to mention for property damage).…
Beware the Changing World of CGL Exclusionary Endorsements
ISO endorsements are reasonably well understood due to their familiarity; but proprietary endorsements aren’t standardized or always familiar. This means agents must read all endorsements – ISO and especially proprietary…
Trailer-Related Liability Chart
Here’s your one-stop-shop for Liability Coverage for Trailer-Related Liability: Primary and Excess Protection.
Seven Important Considerations Required to Properly Insure “Fixtures”
Agents learn early that there are two types of property, real property and personal property. Real property is generally defined as land and everything attached to the land such as…
Number of Claims: 3 or 636?
In the world of insurance coverage, the word “claim” is one of the most frequently spoken. It is used by an injured party to describe its pursuit of relief against…
Should Trade Names be Listed as Named Insureds on the CGL?
Should DBAs or T/As (trade names) be listed on the CGL? Do they have to be listed? Adjusters have told some agents that the misnaming of a trade name endangers…
Understanding Products Liability and Product Warning Labels
“A traditional axiom of products liability law is that a manufacturer or supplier of goods has a duty to warn of any danger from the intended or unintended but reasonably…
