Welcome back, CGL fans, to part 2 of our discussion on care, custody or control (c,c,c). If this was television, you would now hear the announcer intoning "Previously on Policy Issues..." Or in the movies a simple text would appear: "A long time ago, in an article far, far away..."
Not that last month was that far. But if you can believe numerous consumer studies, most of you not only won’t remember as far back as April’s issue, but have already forgotten why you started reading this one. So I had best press on quickly.
CGL, Exclusion j. Damage to Property - there is no coverage for "property damage" to:
(4) Personal property in the care, custody or control of the insured;
For example, within this plethora one finds the near universal existence of liability exclusions applicable to autos and workers’ compensation. You want coverage for those, get thee hence and buy an auto or work comp policy. You can almost hear the CGL singing Tom Petty: "Don’t come around here no more." If bailment be your focus, inland marine be your game.