Commercial General Liability (CGL)

You insure a mini-storage warehouse owner. The rental/lease contract stipulates that the owner can sell any property stored by a renter/lessee if they fail to pay. Your insured sells the…

One of the most misunderstood provisions in the CGL policy is the “your work” exclusion. In this article, we’ll take a look at several actual claims and when the exclusion…

A carpenter built a garage building and, upon leaving, it burned down due to the improper extinguishing of a cigarette. Will the carpenter’s CGL cover the loss? Not according to…

One of the most debated provisions of the ISO Commercial General Liability policy is the “care, custody and control” issue, which actually involves several exclusions in the CGL. While it…

An insured owns a mini storage warehouse business. Customers rent space in which they store their personal property and have the right to add or remove their property as they…

You insure a homebuilder. Several years after selling a home, it burns down due to faulty installation of some electrical wiring and your insured is sued. Does he have any…

A CGL endorsement excludes BI to anyone while involved in any sports or athletic contest sponsored by the insured. The insured sponsors a fishing tournament for kids. So the question…

Many businesses have extremely valuable information in electronic form. If your insureds have access to the information of others on their or a customer’s premises, how can it be insured…

Based on the number of “Ask an Expert” questions we’re getting, there appears to be an increasing use of the the CGL “Designated Premises” endorsement. Generally speaking, this is something…

A lawn maintenance company was hired to fertilize a residential client’s lawn. The lawn was damaged by the application of the incorrect fertilizer and needed to be replaced. The carrier…