ISO revised various General Liability coverage forms and endorsements effective April 2013 to reflect the changing needs of insureds and insurers. As with all program changes, the revisions include broadening of coverage, narrowing of coverage, and editorial changes that have no impact on coverage. Of course, it is the narrowing of coverage that always presents an E&O exposure. This article will discuss the many changes in the program and indicate the impact the change has on coverage.
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