Commercial General Liability (CGL)

Additional-Insureds

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ISO’s 2004 Additional Insured Endorsements

ISO at first filed new additional insured endorsements seeking to eliminate coverage for the AI’s sole negligence. ISO then withdrew these endorsements and refiled revised versions. This article explains the…

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CGL Cross Liability

Recently, our “Ask an Expert” service received a rash of “cross liability” questions. The term “cross liability” deals with whether or not one insured can sue another under a liability…

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The CGL Loss Settlement Clause

While there can be disagreement over the amount of recovery, the valuation of claims under most property and inland marine forms is a fairly straightforward process. In most cases, the…

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How Tenants Can Avoid Subrogation Claims

How does a tenant protect himself against the building owner (or the owner’s carrier) who is seeking to recoup the cost of reconstruction to the building, in excess of the…

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Valuing Property in CGL Claims

A third party files a claim demanding replacement of property negligently damaged by your insured. Does the CGL policy respond on a replacement cost (RC) basis or actual cash value…

Additional Insureds vs. Additional Named Insureds

Sometimes a contract calls for naming a party as an additional insured. On other occasions, it requests additional named insured status. So, what’s the difference and what are the advantages…

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Additional Insureds and Certificates

THIS MAY BE THE MOST IMPORTANT ARTICLE YOU READ THIS YEAR. If you insure contractors or others who must enter into agreements specifying insurance coverages and certificate language, you could…

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Contractual Liability vs. Additional Insured Status

Question: “I have had discussions with agents who believe that the wording in the ISO CGL policy pertaining to an “insured contract” covers the requirement to add additional insured status…

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