Is Fishing a Sport or Athletic Contest?
A CGL endorsement excludes BI to anyone while involved in any sports or athletic contest sponsored by the insured. The insured sponsors a fishing tournament for kids. So the question…
VU Resources
Insuring the Loss of Customers’ Information
Many businesses have extremely valuable information in electronic form. If your insureds have access to the information of others on their or a customer’s premises, how can it be insured…
CGL “Designated Premises” Coverage
Based on the number of “Ask an Expert” questions we’re getting, there appears to be an increasing use of the the CGL “Designated Premises” endorsement. Generally speaking, this is something…
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…
The CG 22 92…Another Endorsement That Doesn’t Do Anything?
The CG 22 92 purports to extend completed operations coverage to snow plow operations via exception to CGL Exclusion g. However, this flies in the face of most interpretations that the CGL…
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…
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…
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…
