Personal & Advertising Injury coverage under the Commercial General Liability policy offers very limited protection for patent infringement. Specialty coverage is available, and one such provider, Intellectual Property Insurance Services…
While Symbol 1 of the Commercial Auto Policy should cover “any auto” your insured drives, there are no guarantees that 1) Your carrier will allow this coverage on all or…
Here’s a great example of why the majority of your large and small contractors need pollution coverage. The Rhode Island Supreme Court decision found in favor of the insured, but…
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…
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…
If a commercial contractor is now doing residential work because of market conditions, watch out for a residential exclusion.
If you have a client written on a “claims made” policy, a polling letter can save them from an uncovered claim and you from an E&O loss. Polling Letters are…
Do you think your car can be “stolen” yet still be sitting in the parking lot or driveway with you in it? Well, evidently, it can – it’s called “Hacking.”…
An agent asks: A vehicle is registered to a church that provides the vehicle to the senior pastor and his wife for their personal use. The vehicle is insured on…
Learn about the five of the most common contractor risk exposures: contractual risk transfer; properly extending insured status; business auto issues; misuse of the absolute pollution exclusion; and professional and…
