Separation of Insureds Under a CGL Form

Q

Under the CGL form, some of the exclusions refer to “any insured”. A discussion has arisen in our office as to the scope of this term. Does an exclusion that uses the phrase “any insured” mean that every insured is affected? For example, the auto exclusion applies to autos owned or operated by any insured; does that mean if any insured uses a car and causes an accident, the exclusion applies to every insured? We have a concern here because many of our clients have CGL policies with multiple insureds and we are not certain about the coverage, or lack thereof.

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