CGL Care, Custody and Control by Contractors
You insure a residential painting contractor. Many of his customers give him access to their homes when they are not around. What if he damages the premises while having sole…
Commercial Lines
Read the Policy You’re Selling
This may be the most important coverage article you read this year. It may be the most important coverage article you’ve ever read. Please read it. And please have your…
Coverage for Business Personal Property Off Premises
A surveyor’s equipment was stolen while on a job site. The adjuster denied the claim under the CP 00 10 Property Off-premises coverage, citing the exclusion for such property while…
CGL Fire Damage Legal Liability Coverage vs. the CP 00 40 Legal Liability Coverage Form
A commercial prospect rents space at a warehouse and his current agent tells him that the fire damage legal liability coverage on his CGL policy covers him there. The prospective…
Temporary Substitute Autos Under PAPs and BAPs
The ISO PAP extends coverage to “temporary substitute” autos One question is what constitutes “temporary”? What if your car is in the shop for six weeks and you have a…
Coverage While Loading or Unloading Nonowned Autos
An upscale art and frame shop is insured on a BOP policy. The insured owns no autos, so there is no business auto policy. In addition, there is no hired…
Insuring Commercial Tenant Lease Requirements
A prospect’s lease requires that the tenant (him) be responsible for only the heating and air conditioning system (HVAC) under a provision that the tenant “maintain, repair and replace” the…
Insuring Leased Real Property…An E&O Time Bomb
Your insured leases (all or a part of) a building and the lease makes him responsible for damage to the HVAC equipment. The lease might also make him responsible for…
“Pollution” Incident…BAP or CGL?
Leaked fluids from a wreck of two vehicles were not properly cleaned up by a private firm. As a result, a motorcyclist was seriously injured when he slid through the…
Additional Insured vs. Indemnitee: Are Contractual Liability Coverage and AI Status the Same Thing?
Agent question: “We have not been individually adding Additional Insured endorsements, relying on them being an indemnitee in the ‘insured contract’ wording of the CGL or BOP policies, which gives…
