Commercial General Liability (CGL)

To determine whether a claim is covered, we usually start with the Insuring Agreement. If that’s triggered, we then look to the Exclusions to see if coverage for the claim…

An insured stores activated gift cards worth several million dollars in a warehouse. The commercial property insurer says they’re not covered because they’re “evidences of debt” and the same as…

Perhaps a large majority of all businesses are subject to data breach liability whereby someone steals or makes unauthorized use of personal or confidential information, often of customers. Such data…

What happens when you combine restaurant operations with an auto exposure beyond the mere delivery or catering operation? Join Mike Edwards as he combines his two favorite subjects – insurance…

In 2013, ISO made some of the most significant revisions to its additional insured (AI) endorsements ever. Several of these revisions have given a number of industry experts pause as…

An I&B claim was denied because the owner of the leased area had not made any betterments or improvements at his own expense since the lease began…all of the improvements…

Building coverage includes personal property owned by you that is used to maintain or service the building or structure or premises, including: appliances used for refrigerating, ventilating, cooking, dishwashing or…

As every self-respecting Insurance Geek knows, one word in an insurance policy (in fact, even a punctuation mark…but that’s another story) can make all the difference in coverage or lack thereof.…

If you insure the tenant of a building and they install improvements and betterments, you certainly want to make sure they’re adequately insured, particularly if the lease makes the tenant…

Much has been written about trees and homeowners policies but what about commercial lines forms? Do they cover trees differently than personal lines forms? And what about the business income…