Care, Custody & Control in the CGL
Many insurance policies exclude or limit coverage for damage to property in an insured’s “care, custody or control,” but what does that term really mean? While we’ll probably be debating…
Commercial Lines
When Are “Completed Operations” Completed?
The CGL policy usually covers both on-going and completed operations. However, at what point is an operation completed? This question has particular significance when the business is involved in some…
Loading and Unloading…CGL or BAP?
The BAP covers loading and unloading of a vehicle if done by hand, hand truck, or a mechanical device attached to the auto. The CGL policy picks up the exposure…
Is Theft “Property Damage” Under a CGL Policy?
Property was stolen from a guest’s auto in the insured hotel’s self-parking garage. The guest made a negligence claim against the hotel. The adjuster has denied the claim on the…
Restaurant Liability is the Pits
Recently our “Ask an Expert” service received two questions from agents in different states who had experienced the same claim. A restaurant customer broke a tooth on an olive pit…
Products Liability at Restaurants
A restaurant was insured under a CGL with the CG 24 07 attached. A customer broke a crown eating a BBQ sandwich. The adjuster denied the $285 medical payments claim…
CGL Coverage and Undeclared Premises
The named insured is a corporation. The sole stockholder personally owns a piece of land on which the corporation parks its vehicles. A pedestrian tripped on the premises and is…
The “No Occurrence” CGL Claim Denial
There has been an increasingly disturbing trend of courts upholding claim denials based on property damage not arising from an “occurrence” in the CGL policy. Typically, these claims involve contractors…
The “No Occurrence” CGL Claim Denial Revisited
The CGL policy has several exclusions that apply to faulty workmanship. However, a number of courts have ruled that these exclusions are meaningless because damage to your own work (even…
The CGL and Trailers
A local community nonprofit organization is planning their annual festival. They always rent a large, 28-foot flatbed trailer to use as a stage for the bands and speakers. The organization’s…
