Commercial Lines

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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CGL Coverage for Rekeying Locks

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…

Is Sewage a “Pollutant”?

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…

04 February 2019 Townsville, Qld - Suburbs adjacent to Townsville's Ross River were flooded when two millions litres of water was released every second from the city's dam. Unprecedented rainfall in the week leading up to this event saw the dam's level rise to nearly 250% - Photo: Cameron Laird (Ph: 0418 238811 - cameron@cameronlaird.com)

Property Conversion Claims Against Warehouses

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…

House model and bar graph with growing value and calculator put on the account book in the public park, saving money and loan for construction real estate concept.

The CGL “Your Work” Exclusion & Subcontractors

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…

Business & HR icon on colorful puzzle

What Is(n’t) “Your Work” in the CGL?

A carpenter built a garage building and, upon leaving, it burned down due to the improper extinguishing of a cigarette. Will the carpenter’s CGL cover the loss? Not according to…

Care, Custody & Control in Property Management

One of the most debated provisions of the ISO Commercial General Liability policy is the “care, custody and control” issue, which actually involves several exclusions in the CGL. While it…

Hand putting on a smiling wooden ball, Concept of recruiting

Care, Custody & Control in Storage Warehouses

An insured owns a mini storage warehouse business. Customers rent space in which they store their personal property and have the right to add or remove their property as they…

Private Equity Firms Seek Opportunities in Distressed Assets.

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