When Does Injury or Damage “Occur”?
An agent asks: When coverage is provided by two different carriers for two different policy periods and injury or damage occurs, which CGL policy should respond to the loss?
Commercial Lines
New Research Links Sleep-Centric Disorders with Car Crashes
Distracted drivers are not the only danger on the road; a new study indicates that people coping with three different sleep-related ailments — insomnia, sleep apnea, and shift-work disorder —…
Evolution of ISO General Liability Classifications
ISO is making MAJOR changes to the CGL classification system in 2022. These changes are the result of new technologies, new risks, and the need for greater granularity. We need…
180 Day ‘Limitation’ in the Commercial Property Policy: Dazed and Confused
Within the wording of the commercial property policy’s replacement cost provision there is a 180 day “limitation.” How does this supposed limitation actually apply and to whom does it apply?…
Understanding the Unique Facets of Flood Insurance
Flood insurance is, unusual. A flood policy essentially covers one peril but it is surrounded by many unusual facts and facets that make flood coverage unlike any other. Agents must…
Including a ‘DBA’ in the Named Insured Might Limit Coverage
Does the breath of coverage depend on the inclusion or exclusion of the assumed business name, the DBA? Well, the answer isn’t as clear as you might think.
Commercial Property Quiz
Test your knowledge of Commercial Property with this 10-question quiz.
Quick Warning for Contractor Risks!
If a commercial contractor is now doing residential work because of market conditions, watch out for a residential exclusion.
Claims Made and Polling Letters
If you have a client written on a “claims made” policy, a polling letter can save them from an uncovered claim and you from an E&O loss. Polling Letters are…
Business Income and the Supposed Ambiguity of “…Direct Physical Loss of or Damage To…”
Is the phrase, “…direct physical loss of or damage to…” ambiguous? Plaintiff attorneys are trying to convince courts that it is. Simply, it’s not, and this article explains why.