What Is(n’t) “Your Work” in the CGL?
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…
Commercial General Liability (CGL)
Insuring the Loss of Customers’ Information
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…
Is Fishing a Sport or Athletic Contest?
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…
When Contractors Have CGL Policies, But No Coverage
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…
Care, Custody & Control in Storage Warehouses
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…
Care, Custody & Control in Property Management
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…
Care, Custody & Control in the CGL
Many insurance policies exclude or limit coverage for damage to property in an insured’s “care, custody or control,” but what does that term really mean? While we’ll probably be debating…
