Listing Your Insured’s “Doing Business As” (DBA) May Have Unintended Consequences
If you incorrectly name your insured on any policy, your insured may find he or she does not have coverage. After a loss is the worst time to learn that…
Commercial General Liability (CGL)
Nuclear Verdict in Healthcare Will Raise Concerns for Healthcare Insurers
A missed healthcare diagnosis resulted in a whopping $111 million verdict in Minnesota, according to a recent Burns & Wilcox article. Read on to learn more.
Construction Risks Becoming Harder to Place
Construction risks are becoming harder to place and premiums continue to increase. With the construction starts expected to increase by about 7% in 2024, now is an opportune time to…
DBAs: Back Again, With a Not Necessarily Surprising Decision
Massachusetts highest court refuses to expand coverage beyond “DBA” in named insured, resulting in no coverage for $14m consent judgment in April 2022. Read on to learn more.
Personal and Advertising Injury Primer
Coverage Part B of the CGL is often overlooked. The focus seems to be on Bodily Injury and Property Damage (Coverage Part A); however, personal and advertising injury is an…
When Does Injury or Damage “Occur”?
An agent asks: When coverage is provided by two different carriers for two different policy periods and injury or damage occurs, which CGL policy should respond to the loss?
New Research Links Sleep-Centric Disorders with Car Crashes
Distracted drivers are not the only danger on the road; a new study indicates that people coping with three different sleep-related ailments — insomnia, sleep apnea, and shift-work disorder —…
Evolution of ISO General Liability Classifications
ISO is making MAJOR changes to the CGL classification system in 2022. These changes are the result of new technologies, new risks, and the need for greater granularity. We need…
Including a ‘DBA’ in the Named Insured Might Limit Coverage
Does the breath of coverage depend on the inclusion or exclusion of the assumed business name, the DBA? Well, the answer isn’t as clear as you might think.
Quick Warning for Contractor Risks!
If a commercial contractor is now doing residential work because of market conditions, watch out for a residential exclusion.
