Pollution Exclusion Requires Irritation or Contamination
One of the most litigated provisions in the ISO CGL policy is the pollution exclusion. But what we have found via our “Ask an Expert” service is that often claim…
Commercial Lines
The CGL and Swimming Pool “Pop-Ups”
Your insured is a pool contractor. If he damages the pool’s liner, causing a leak, does his CGL cover him? What if he needs to drain the pool for maintenance…
Should CGL and BAP Be Written in the Same Insurer?
One of the most common claim scenarios reported through the VU “Ask an Expert” service involves injury or damage arising from the loading or unloading of a vehicle or its…
Is DOC Needed if the BAP Has Symbol 1?
A commercial prospect’s CEO drives a company car. The current agent told the CEO that DOC coverage is not necessary if Symbol 1 coverage is used for liability since it…
Drones and the ISO CGL Policy
There is increasing interest in, and use of, drones for various business activities, from real estate agents to contractors. Unfortunately, there is little, if any, coverage under most CGL and…
Is It ISO or Is It Memorex Insurance Company?
Are you ever confused about whether a particular policy form is a pure ISO form, a modified version, or a proprietary insurer form? This article provides a three-test approach for…
I Owe How Much? Court Rules WC Insurer Can Charge for Independent Contractors
The following is an article written by Tennessee Big “I” member (and the very first VU newsletter subscriber) Alan Johnson, CPCU, ARM-P, AIS, AINS about a recent Tennessee Court of…
Telephone Toll Fraud Coverage
Your computerized telephone system is hacked and the perpetrators ring up $500,000 in unauthorized toll charges. The claim is denied under the property policy, crime policy, and cyber policy. Is…
Thermal damage to Vinyl Siding…Covered by a CGL Policy?
A painter paints vinyl siding a darker color. When the newly painted vinyl siding is exposed to direct sunlight, the painted siding warps. Does the painter’s CGL policy respond to…
Thermal damage to Vinyl Siding…Covered by an HO Policy?
A homeowner has his vinyl siding painted a darker color. Direct or reflected sunlight then causes the siding to warp. Does his HO policy cover this damage? If liable, does…
