VU Resources

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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CGL Coverage and Undeclared Premises

The named insured is a corporation. The sole stockholder personally owns a piece of land on which the corporation parks its vehicles. A pedestrian tripped on the premises and is…

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The “No Occurrence” CGL Claim Denial

There has been an increasingly disturbing trend of courts upholding claim denials based on property damage not arising from an “occurrence” in the CGL policy. Typically, these claims involve contractors…

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The “No Occurrence” CGL Claim Denial Revisited

The CGL policy has several exclusions that apply to faulty workmanship. However, a number of courts have ruled that these exclusions are meaningless because damage to your own work (even…

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The CGL and Trailers

A local community nonprofit organization is planning their annual festival. They always rent a large, 28-foot flatbed trailer to use as a stage for the bands and speakers. The organization’s…

Is It an Auto or Is It Mobile Equipment?

One of the most debated commercial lines issues is whether or not a vehicle is an “auto” or “mobile equipment.” When you carefully read the policy definitions, it’s amazing how…

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What is “Total Cost” as a CGL Premium Basis?

The ISO CLM specifies how a subcontractor exposure is to be charged, depending on whether the subcontractor is adequately insured or not. If adequately insured, premium is calculated on a…

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Hold Harmless Agreements Aren’t Harmless

Your insureds routinely sign hold harmless agreements with all kinds of entities…property owners, contractors, large corporations, municipalities, and others. How many of these contracts do you think are covered by…

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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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