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Commercial liability
280031-00
Discontinued operations—gone out of business
When contractors go out of business, we always recommend they buy “discontinued operations liability coverage” for products and......
900018-00
Coverage territory
I am concerned about the coverage afforded by the commercial general liability policy for foreign liability situations. My insured does business......
900051-00
Snowplowing—completed operations
We are getting conflicting opinions from various sources regarding coverage under the ISO Commercial General Liability Coverage Form.......
900052-00
New locations, operations
Does the ISO Commercial General Liability Policy cover new locations and operations of an insured automatically? Is coverage limited to the......
900054-00
Theft from customer
We insure a beauty salon under a commercial general liability policy. One day, robbers walked in and took a $10,000 ring worn by one of the......
900057-00
Controlling Interest endorsement
What is the proper use of the Additional Insured—Controlling Interest (CG 20 05) endorsement?...
900072-00
Patent infringement claim
Our insured has been charged with patent infringement. Will this be covered under Coverage B of the ISO Commercial General Liability Coverage Form?...
900095-00
Personal and advertising injury liability—wrongful eviction
We’d like an interpretation of Coverage B—Personal and Advertising Injury Liability of the ISO Commercial General Liability Coverage......
900096-00
Hold-harmless agreements—injury to employees
We have an insured who signed a contract to defend, hold harmless, and indemnify a client for any liability actions, including actions brought by......
900097-00
Pollution exclusion—welding
We have an insured with an ISO Commercial General Liability occurrence policy. The insured is a steel fabricator and erector who does some welding......
900098-00
Waiver of subrogation
Can a commercial general liability policy insured waive subrogation in a separate contract without impacting coverage under the policy?...
900099-00
Lease requires civil assault and battery coverage
One of our clients is leasing a warehouse facility. The terms of the lease have insurance requirements that include “Civil Assault and......
900100-00
Business records subject to audit
What can and can’t a company require by way of business records in connection with a premium audit? Our company wants to see copies of......
900101-00
Trigger for personal and advertising injury
I’m confused by the various triggers for coverage used on an Insurance Services Office Inc. Claims-Made Commercial General Liability form.......
900102-00
‘Damage to property’ exclusion
Our insured was installing a sign for a business when the sign slipped. The sign scraped a wall going down, causing $12,000 worth of damage. How......
900103-00
Medical payments for day-camp kids
We insure a day camp for children. The insurance company denies that the Medical Payments coverage under the Insurance Services Office Inc.......
900105-00
Separation of insureds/duty to cooperate
Our insured is involved in a third-party claim situation under a commercial general liability policy. The claim is based on the actions of a......
900178-00
Fire legal liability coverage
Could you provide a definition of “fire legal liability” with respect to a commercial general liability policy? Our insureds are......
900180-00
Audit premium for ‘inadequate’ subcontractor limits
We wrote a commercial general liability policy for a contractor with a $500,000 liability limit. He engaged a subcontractor with only $300,000 in......
900189-00
Third-party-over actions
How does the subcontractor’s Commercial General Liability Policy respond to third-party-over actions when that policy is endorsed to waive......
900194-00
Amendment of insured contract
Could you explain the changes in the Amendment of Insured Contract Definition (CG 24 26) endorsement?...
900195-00
Additional insured—sole negligence
In view of the fact that ISO’s revised additional insured endorsements exclude the sole negligence of the additional insured, is it correct......
900196-00
Damage by an additional insured
Does adding someone as an additional insured automatically preclude coverage for the additional insured when the named insured’s personal......
900220-00
Carpet damage
My client is a carpet cleaner, who goes to locations to clean carpets. We have submitted a claim for a carpet which was damaged by his cleaning.......
900231-00
Health club professional liability
From a coverage standpoint is it better to rely on the silence of a commercial general liability policy for professional coverage if it is not......
900263-00
Supplementary payments—attorney fees
I was doing a little research and I see that the 2007 edition of the ISO Commercial General Liability Coverage Form (CG 00 01) will not pay for......
900299-00
Blanket additional insured
We were recently informed that the blanket ISO endorsement CG 20 33 is not really a blanket additional insured endorsement at all and that it only......
900367-00
Additional insureds and downstream contractors
A general contractor is named as an additional insured on a subcontractor’s policy. The downstream (sub-sub) contractor has a......
900370-00
Partners and DBAs
When insuring a partnership entity for commercial general liability insurance, should the registered DBA (“doing business as”) and the......
900388-00
Mobile equipment dilemma
Is a garbage truck or a catering truck covered under the ISO general liability coverage form considered mobile equipment?...
900433-00
Bring-your-own liquor
I insure a small restaurant that permits customers to bring their own wine for consumption on the premises. Can this be covered without a liquor......