Adjusters Say the Darnedest Things
I’ve often said that it’s inexcusable when a claim is denied for no other reason than “It’s not covered.” The insured is owed a reason for a claim denial, by…
VU Resources
Another Look at Care, Custody or Control
An insured that does metal heat treating has a manuscript CGL endorsement that provides $250,000 care, custody or control coverage. He treated parts for another fabricator and they cracked when…
Is Dirty Water a “Pollutant”?
It seems that the saga of what is a pollutant will never end. From a Clorox bleach spill (and slip and fall) in a grocery store, to an overturned milk…
The CGL “Marlboro Man” Exclusion
The insured is an exclusive private club where smoking is permitted in certain areas of the club. The insured has inquired about liability for patrons who could allege bodily injury…
CGL Coverage for Rekeying Locks
A contractor’s employee had possession of master keys for several dorm buildings at a university. While at lunch, he accidentally left the keys on a ladder and they were gone…
Is Sewage a “Pollutant”?
A contractor accidentally caused a sewer line to collapse, resulting in a backup into a nearby home. The CGL insurer denied the claim, citing the pollution exclusion. Is sewage a…
Property Conversion Claims Against Warehouses
You insure a mini-storage warehouse owner. The rental/lease contract stipulates that the owner can sell any property stored by a renter/lessee if they fail to pay. Your insured sells the…
The CGL “Your Work” Exclusion & Subcontractors
One of the most misunderstood provisions in the CGL policy is the “your work” exclusion. In this article, we’ll take a look at several actual claims and when the exclusion…
What Is(n’t) “Your Work” in the CGL?
A carpenter built a garage building and, upon leaving, it burned down due to the improper extinguishing of a cigarette. Will the carpenter’s CGL cover the loss? Not according to…
Care, Custody & Control in Property Management
One of the most debated provisions of the ISO Commercial General Liability policy is the “care, custody and control” issue, which actually involves several exclusions in the CGL. While it…
