Commercial Lines

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…

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…

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…

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…

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…

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…

A contractor’s employee had possession of master keys for several dorm buildings at a university. While at lunch, he accidentally left the keys on a ladder and they were gone…

A contractor accidentally caused a sewer line to collapse, resulting in a backup into a nearby home. The CGL insurer denied the claim, citing the pollution exclusion. Is sewage a…

You insure a mini-storage warehouse owner. The rental/lease contract stipulates that the owner can sell any property stored by a renter/lessee if they fail to pay. Your insured sells the…

One of the most misunderstood provisions in the CGL policy is the “your work” exclusion. In this article, we’ll take a look at several actual claims and when the exclusion…