We have a client who purchases football season tickets in their business name and provides to client. They had a question. If a client who they gave their tickets to was hurt at a game, would the ISO general liability policy provide defense and protection if they were named in a lawsuit?
There was a recent incident after a Pittsburgh Steelers game where a fan fell from the escalator and was severely injured. Our client had a concern if someone using their tickets were hurt at the game that they could be sued and asked us how we believe the policy would apply.
My opinion is that the CGL would not defend and protect. In my mind, where is the negligence on the part of our insured. Thoughts?
Pennsylvania Subscriber
We don't see any legal liability on the part of the insured just for purchasing the ticket and passing it along to the client. The event is not on the insured's premises, and it is not part of the insured's business operations. However, there is no exclusion in the policy that would apply, and we are not attorneys. Should the insured be named in a suit there should be coverage for the insured's defense.
Karen Sorrell, CPCU
Karen Sorrell, CPCU is an editor and insurance technical resource for FC&S Expert Coverage Interpretation, a division of National Underwriter Company and Arc Network. Karen has an extensive background in commercial and specialty lines underwriting and product management spanning over 30 years. Her technical underwriting skills combined with her research and analysis skills in insurance product development are a winning combination for her role of insurance editor and in the area of insurance policy language interpretation for Arc Network.