Is the Absolute Pollution Exclusion Really Absolute?
If you’ve ever heard that a crushed grape was considered a pollutant, you need to read this report.
Commercial General Liability (CGL)
Is the Insurance Policy Affected if the Business Opens Against a Governor’s Orders: The Facts About Supposed “Illegal Acts” Exclusions
States have gone to war against some municipalities over COVID-19. Executive orders currently in place in many states still bar certain businesses considered “non-essential” from opening; but some municipalities have…
ISO’s New MicroBOP: Get Ready to Rumble in the Micro-Business Market
The economic disruption caused by COVID-19 has left millions of people unemployed—at what many say is the highest rate since the Great Depression. In considering the future, those who’ve lost…
Coronavirus and the Auto Exposure
Over the last several days, the VU has fielded several auto insurance related questions as it pertains to food delivery and the Coronavirus. These questions cannot be classed simply as…
Email Phishing Scam: Coverage for Social Engineering
With perhaps the exception of ransomware, the largest source of cyber loss for insurance carriers is phishing scams, commonly known as business-email-compromises (BECs), whereby an insured is tricked into sending…
Coronavirus and the CGL
Very simply, how does or might the commercial general liability (CGL) policy respond to the coronavirus? There are many hurdles that must be jumped before the CGL will respond.
The Anatomy of a Hold Harmless and Indemnity Agreement
Although we know that interpreting contracts is a matter of law, because our customers routinely execute hold harmless and indemnity agreements with all manner of entities, knowledge of these contractual…
Earth Movement Exclusions for the CGL – Dangerous in the Wrong Hands
Insurance Services Office (ISO) has introduced four new earth movement exclusions with effective dates of 12/1/19. Three are designed for use with the commercial general liability (CGL) coverage parts; and…
Wrap-Up (CIP) Endorsements for the CGL
In its December 2019 multi-state filing, ISO made alterations to its two existing wrap-up exclusionary endorsements, the CG 21 31 and the CG 21 54. In addition to these edits,…
Insuring Trusts and Volunteers in Liability Coverage Forms
There is an entire generation of insurance agents who are totally unaware that insured status has not always been extended to Trusts and volunteer workers in the commercial general liability…
