CGL Workmanship Exclusions (Part 1 of 3)
In response to an article we published called “What Is(n’t) ‘Your Work’ in the CGL?,” we got a response from a reader (see below) that resulted in a promise to…
Commercial General Liability (CGL)
CGL Workmanship Exclusions (Part 2 of 3)
In response to an article we published called “What Is(n’t) ‘Your Work’ in the CGL?,” we got a response from a reader (see below) that resulted in a promise to…
CGL Workmanship Exclusions (Part 3 of 3)
In response to an article we published called “What Is(n’t) ‘Your Work’ in the CGL?,” we got a response from a reader (see below) that resulted in a promise to…
Not All Damage to “Your Work” is Excluded
A subcontractor installing a deck on a home under construction penetrated a foundation water barrier and rain water entered, damaging the basement ceiling, sheetrock, and carpeting. The general contractor’s insurer…
Adjusters Say the Darnedest Things
I’ve often said that it’s inexcusable when a claim is denied for no other reason than “It’s not covered.” The insured is owed a reason for a claim denial, by…
Another Look at Care, Custody or Control
An insured that does metal heat treating has a manuscript CGL endorsement that provides $250,000 care, custody or control coverage. He treated parts for another fabricator and they cracked when…
Is Dirty Water a “Pollutant”?
It seems that the saga of what is a pollutant will never end. From a Clorox bleach spill (and slip and fall) in a grocery store, to an overturned milk…
The CGL “Marlboro Man” Exclusion
The insured is an exclusive private club where smoking is permitted in certain areas of the club. The insured has inquired about liability for patrons who could allege bodily injury…
CGL Coverage for Rekeying Locks
A contractor’s employee had possession of master keys for several dorm buildings at a university. While at lunch, he accidentally left the keys on a ladder and they were gone…
Is Sewage a “Pollutant”?
A contractor accidentally caused a sewer line to collapse, resulting in a backup into a nearby home. The CGL insurer denied the claim, citing the pollution exclusion. Is sewage a…
