VU Resources

CGL Contractual Liability Coverage…Does It Override Exclusions?

An insured who leases premises accidentally damaged the building with a backhoe. He has a written lease on the premises and the lease makes him responsible for damage to the…

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The Devil Made Me Do It!

If you recall the old Flip Wilson TV show, he had a recurring sketch with the theme “The devil made me do it!” In the routine, his alter-ego, Geraldine, would…

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Is “Fire Legal” Liability Coverage Primary or Excess?

The insured negligently caused a fire to his own rented area. It was paid under the landlord’s property policy and now they are subrogating against the insured tenant. The insured’s…

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“Montrose” Endorsements

In 1999, ISO, following the lead of a number of companies, introduced a series of new and revised “Montrose” endorsements for the CGL program. This filing was prompted by a…

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When Do “Occurrences” Occur?

One of the most often misunderstood insurance issues involves what event triggers coverage under a liability policy? Is it when the negligence occurs or when, possibly years later, the BI…

Additional-Insureds

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ISO’s 2004 Additional Insured Endorsements

ISO at first filed new additional insured endorsements seeking to eliminate coverage for the AI’s sole negligence. ISO then withdrew these endorsements and refiled revised versions. This article explains the…

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CGL Cross Liability

Recently, our “Ask an Expert” service received a rash of “cross liability” questions. The term “cross liability” deals with whether or not one insured can sue another under a liability…

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The CGL Loss Settlement Clause

While there can be disagreement over the amount of recovery, the valuation of claims under most property and inland marine forms is a fairly straightforward process. In most cases, the…

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