Commercial General Liability (CGL)

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…

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…

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…

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…

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…

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…

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…

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…

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…

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…