Commercial Lines

The CGL Professional Liability ‘Exclusion’

Unlike the simple ISO HO policy, the ISO CGL policy has no specific professional liability exclusion. As a result, sometimes it can be difficult to determine whether a claim is…

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Discontinued Operations

This article is about the often misunderstood exposure of discontinued operations. While your Technical Affairs Committee continues to work with ISO with little success to develop stronger coverage for discontinued…

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CGL Workmanship Exclusions (Part 1 of 3)

In response to an article we published called “What Is(n’t) ‘Your Work’ in the CGL?,” we got a response from a reader (see below) that resulted in a promise to…

Connections of employees teams in the company. Coordination, knowledge sharing. Equal distribution of duties, high autonomy of units. Collaboration, teamwork. An effective business relationship system

CGL Workmanship Exclusions (Part 2 of 3)

In response to an article we published called “What Is(n’t) ‘Your Work’ in the CGL?,” we got a response from a reader (see below) that resulted in a promise to…

Customer relationship management concept. wooden block with target icon linked with human icons for customer focus group. Data exchanges development and customer service.

CGL Workmanship Exclusions (Part 3 of 3)

In response to an article we published called “What Is(n’t) ‘Your Work’ in the CGL?,” we got a response from a reader (see below) that resulted in a promise to…

Business team hierarchy. Connections and relationships in the company. Personnel management. People connected in hierarchical system. Separation of roles and responsibilities. Career. Teamwork

Not All Damage to “Your Work” is Excluded

A subcontractor installing a deck on a home under construction penetrated a foundation water barrier and rain water entered, damaging the basement ceiling, sheetrock, and carpeting. The general contractor’s insurer…

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Adjusters Say the Darnedest Things

I’ve often said that it’s inexcusable when a claim is denied for no other reason than “It’s not covered.” The insured is owed a reason for a claim denial, by…

Predictive analytics, data visualization, business forecasting concept. Data analytics for continuous improvement and business development. Predictions about future outcomes and performance.

Another Look at Care, Custody or Control

An insured that does metal heat treating has a manuscript CGL endorsement that provides $250,000 care, custody or control coverage. He treated parts for another fabricator and they cracked when…

Is Dirty Water a “Pollutant”?

It seems that the saga of what is a pollutant will never end. From a Clorox bleach spill (and slip and fall) in a grocery store, to an overturned milk…

High and fast water rising in Bayou River with downtown Houston in background under cloud blue sky. Heavy rains from Harvey Tropical Hurricane storm caused many flooded areas in greater Houston area.

The CGL “Marlboro Man” Exclusion

The insured is an exclusive private club where smoking is permitted in certain areas of the club. The insured has inquired about liability for patrons who could allege bodily injury…

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