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CCC Not As Easy As ABC

To The Editor:

I know this subject has been addressed to the point of ad nauseam, but your June 30 “FC&S Answer” column (“To Care And Control–Or Not,” page 21) seems to miss an important point about the care, custody and control exclusion j.(4) in the CGL with respect to “the insured” and “you” or “your.”

If property in the CCC of an employee, regardless of their insured status, doesn’t serve to create a CCC exposure for the named insured via the “master-servant rule,” how would a corporate entity, for example, ever be legally liable for damage to property in their employees’ CCC, since the corporate entity can only exercise control through the actions of it employees?

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