“Dagger” or Plus Symbol Classes: What They Mean
Nearly 40% of ISO’s general liability class codes are, what some call, “dagger” codes. All a “dagger” classification does is rearrange where the products and/or completed operations coverage is found.
Commercial General Liability (CGL)
Liquor, Liquor Everywhere, But None to Drink
Insurance Services Office (ISO) introduced several changes to liquor liability coverage in its most recent multi-state general liability filing. These changes include: 1) Four additional insured endorsements were created for…
CGL Additional Insured and Insured Status Endorsement Changes
Insurance Services Office (ISO), in its most recent multistate endorsement revision filing, made a minor change to 25 additional insured endorsements; brought two additional insured endorsements up-to-date and in alignment…
Excluding Electronic Smoking Devices (E-Cigarettes)
ISO promulgated two endorsements specific to e-cigarettes. One is an absolute exclusion and the second is a bodily injury only exclusion with a key exception. Be wary when either is…
Cannabis Exclusions for the CGL
ISO released three cannabis exclusion endorsements for use with the commercial general liability policy (CGL) with effective dates of December 1, 2019. All three endorsements exclude cannabis, two have a…
Understanding Liquor Liability Coverage
With a very hard liquor liability coverage market, especially in dram shop law states, understanding liquor liability coverage is vital to agents writing bars, restaurants and taverns. When anyone is…
Cannabis (and Marijuana) Exclusions and Exceptions
ISO is intent on developing cannabis-related endorsements. To date it appears that most are exclusionary endorsements. Because the federal government and the states seems to be on opposite sides of…
BOP Not High on Cannabis
ISO introduced five new cannabis exclusions for use with the BOP policy. Two of the five are essentially “absolute” exclusions and three have a hemp exception. This article introduces and…
Marijuana in the US
Although marijuana and THC-containing substances are still illegal federally, individual states are making their own laws concerning these substances. The fact is, most states are in direct conflict with the…
3 Exciting Construction Risk Endorsements
In 2019, ISO introduced three new construction-related endorsements. Two extended automatic insured status for completed operations and one waiving subrogation rights when required by contract. The industry asked and received.
