Commercial General Liability (CGL)

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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Insuring the Independent Contractor Exposure

Many businesses use independent contractors. While the “principal” (owner) is usually not liable for the actions of an independent contractor, third parties can make claim or sue the owner on…

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The BAP and Temporary Substitutes

Question: “My customer has a Business Auto Policy (BAP) with Symbol 1 for liability and Symbol 7 for physical damage. One of their autos will be in the shop for…

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Do Businesses Need to Buy UM Coverage?

In today’s market, everyone is looking for a way to reduce premiums. One method that is sometimes used is to not carry UM coverage under the BAP. After all, if…

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Is It BAP or CGL?

A contractor is rolling an air compressor across a parking lot to load it into his truck. He slips and the compressor rolls into a Cadillac. Is it a Business…

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