Care, Custody, or Control Exclusion vs. Business Pursuits Exclusion

Q

Our insured, vice-president of sales for a large company, has an HO 00 03. We also insure the company under a standard ISO CGL. Recently, the vice-president attended an out-of-town business seminar. He attended a morning session, and returned to his hotel room, preparing to check out. In the course of doing so, he raised his garment bag and inadvertently hit a sprinkler head on the hotel room wall. A substantial amount of water was released which damaged the room and other areas of the hotel.

This premium content is locked for FC&S Coverage Interpretation Subscribers

Enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.

  • Quality content from industry experts with over 60 years insurance experience, combined
  • Customizable alerts of changes in relevant policies and trends
  • Search and navigate Q&As to find answers to your specific questions
  • Filter by article, discussion, analysis and more to find the exact information you’re looking for
  • Continually updated to bring you the latest reports, trending topics, and coverage analysis