| |  | | | Special Feature - Commercial General Liability * Commercial General Liability * Commercial Property * Personal Auto Issues * Workers' Compensation * Insurance Laws & Statutes/Coverage Resources |
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| | Coverage Part B of the CGL is often overlooked. The focus seems to be on Bodily Injury and Property Damage (Coverage Part A); however, personal and advertising injury is an exposure every insured must consider. This primer allows agents to be prepared for this important conversation. |
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| | There is an entire generation of insurance agents who are totally unaware that insured status has not always been extended to Trusts and volunteer workers in the commercial general liability (CGL) policy. After all, these entities and individuals were first granted insured status near the turn of the century, way back in the 2001 edition of the CGL. But these additions initially applied only to the CGL forms (CG 00 01 and CG 00 02) and none of the other liability coverage forms. Now agents have the option to extend insured status to Trusts and volunteers in other liability forms. |
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| During COVID, many if not most employees were assigned to work from home. Office-based operations discovered that remote employees may be just as efficient as they were in the office. Additionally, many businesses calculated how much they could save by lessening or totally eliminating their real estate spend.
One result of COVID’s work-from-home (WFH) mandate, anticipated to exist for several years, is an increase in vacancy rates in commercial office buildings. Because landlords don’t make money when space is vacant, the anticipation is that landlords, as the US reopens, will begin cutting lease rates on commercial office space. Landlords will offer and Tenants will be able to take advantage of favorable lease rates over the next year or longer. |
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| | When writing a PAP, the “risk” must meet specific eligibility guidelines. Five of these eligibility guidelines are discussed in this article. |
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| | Workers’ compensation, as a coverage, is simple. A worker gets hurt, the work comp policy pays – theoretically; that’s the simple part. The more complicated areas of workers’ compensation involve the state laws and legal doctrines applicable to workers’ comp. Two key areas of confusion are how many different types of employees are there and how do you decipher who qualifies as an employee? |
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| | Download this useful chart that details liability coverage for trailer-related liability. |
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