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…
Definitions
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…
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…
Is It an Auto or Is It Mobile Equipment?
One of the most debated commercial lines issues is whether or not a vehicle is an “auto” or “mobile equipment.” When you carefully read the policy definitions, it’s amazing how…
