ISO’s 2014 Data Breach Exclusion Endorsements
Perhaps a large majority of all businesses are subject to data breach liability whereby someone steals or makes unauthorized use of personal or confidential information, often of customers. Such data…
Endorsements CGL
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…
