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…
Commercial Lines
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…
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…
When Contractors Have CGL Policies, But No Coverage
You insure a homebuilder. Several years after selling a home, it burns down due to faulty installation of some electrical wiring and your insured is sued. Does he have any…
Is Fishing a Sport or Athletic Contest?
A CGL endorsement excludes BI to anyone while involved in any sports or athletic contest sponsored by the insured. The insured sponsors a fishing tournament for kids. So the question…
Insuring the Loss of Customers’ Information
Many businesses have extremely valuable information in electronic form. If your insureds have access to the information of others on their or a customer’s premises, how can it be insured…
CGL “Designated Premises” Coverage
Based on the number of “Ask an Expert” questions we’re getting, there appears to be an increasing use of the the CGL “Designated Premises” endorsement. Generally speaking, this is something…
The CGL and Damage Caused by Pesticides and Herbicides
A lawn maintenance company was hired to fertilize a residential client’s lawn. The lawn was damaged by the application of the incorrect fertilizer and needed to be replaced. The carrier…
The CG 22 92…Another Endorsement That Doesn’t Do Anything?
The CG 22 92 purports to extend completed operations coverage to snow plow operations via exception to CGL Exclusion g. However, this flies in the face of most interpretations that the CGL…
Waivers of Subrogation
One of the most common contractual requirements your commercial insureds face is a requirement to waive a right of subrogation. Most often, these waivers are one-sided when it comes to…
