Agent pockets premiums and fakes insurance certificates.

With coverage forms, exclusion endorsements, and exclusions with specified exceptions, it can sometimes be difficult to determine where and if coverage applies in a given claims situation. Thus is the case here.

Questions the property damage exclusion under the CGL for your work in a situation where a contractor's work caused other damage to the property.

CG 24 53 12 19 Waiver of Transfer of Rights of Recovery Against Others to Us (Waiver of Subrogation) Automatic

CG 20 40 12 19 Additional Insured - Owners, Lessees or Contractors- Automatic Status for Other Parties When Required in Written Construction Agreement (Completed Operations)

CG 20 39 12 19 Additional Insured - Owners, Lessees or Contractors - Automatic Status when Required in Written Construction Agreement with You (Completed Operations)

CG 20 01 12 19 Primary and Noncontributory - Other Insurance Condition.