VU Resources

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…

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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…

Different business groups become one team. Concept of bringing people together, merging teams, partnerships, acquisitions, joint ventures, collectibles

Care, Custody & Control in the CGL

Many insurance policies exclude or limit coverage for damage to property in an insured’s “care, custody or control,” but what does that term really mean? While we’ll probably be debating…

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Definitions

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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…

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…

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Restaurant Liability is the Pits

Recently our “Ask an Expert” service received two questions from agents in different states who had experienced the same claim. A restaurant customer broke a tooth on an olive pit…

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Products Liability at Restaurants

A restaurant was insured under a CGL with the CG 24 07 attached. A customer broke a crown eating a BBQ sandwich. The adjuster denied the $285 medical payments claim…

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