Commercial General Liability (CGL)

The inland marine form on a tree surgeon’s stump grinder included a “Fire Extinguisher and Brush Burning Warranty” endorsement. Vandals destroyed the grinder by burning it. The insurer has denied…

Managing e-business calls for a comprehensive risk management approach and a thorough understanding of the multifaceted nature of the exposures. It is imperative to incorporate an ingrained awareness of e-business…

Agents who have insureds with international exposures must be aware that local laws, business customs, economic conditions, political climate, and government regulation all affect the insurance risks that the organization…

Your insured accepted an order via the internet for products that he sells. He verified that the credit card was valid through a service that he uses. It was not…

Employee theft coverage can easily be written under standard ISO crime forms or an employee fidelity bond. However, crime policies cover only theft of the insured’s property by employees. Another…

Increasingly U.S. businesses find themselves in a global marketplace. This no longer applies to just huge, multi-national corporations. Your “mom and pop” insureds may very well fulfill orders from their…

“War and terrorism risks” are among the most severe issues facing organizations doing business outside the United States and, with an increasingly global economy and internet sales, more and more…

An increase in rates/premiums has been predicted for a while, though not yet widespread. But, there is evidence that the time is coming. Don’t let your insureds be blindsided. In…

An agent writes, “We seem to have some major disagreement within the office here as to whether a GL loss should be reported to the excess carrier. A few people feel…

Below is an “Ask an Expert” question we received involving a Business Owners Policy. While we attempted to address the coverage issues raised from the standpoint of the BOP, it…