Commercial Lines

“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…

Car crash dangerous accident on the road. SUV car crashing beside another one on the road.

Should AI Endorsements Be Sent to Additional Insureds?

Many, if not most, certificates of insurance identify one or more parties as additional insureds. However, with several hundred non-ISO AI endorsements in the marketplace, many of these forms provide…

Adding End Users as AIs to Manufacturers’ CGL Policies

Your insured, a manufacturer, sells products that a very large customer buys and uses. The customer wants to be an additional insured on the manufacturer’s policy. The underwriter says that’s…

White cyborg pointing his finger isolated on dark background 3D rendering

Coding, Rating, and Coverage

Do you know how to code and rate commercial lines accounts? Do you understand the difference between coding, rating, and coverage? If not or you’re not sure, then take a…

Growth charts and graphs. Pile of reports.

ISO’s “Fraudulent Impersonation” Crime Endorsement

The exposure to loss of money, securities, or other property due to trick, scam, etc. has been around for millennia, but from an insurability standpoint, traditional “ISO standard” insurance products…

Global business, internet network connection, IoT Internet of Things, business intelligence concept. Busines global network, futuristic technology background. AI generative

The BAP and Automatic Trailer Coverage

The owner of a large commercial account is loaning his nonresident daughter a Ford F350 pickup for a week in order to relocate a horse in the horse trailer that…

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