Loading and Unloading Claim Covered by Business Auto or CGL Form? Q Should the business auto or the CGL policy respond to a situation in which a fireplace,…

All-Terrain Vehicle Coverage under CGL Form? Q This question deals with a CGL policy purchased in an individual's name. The insured personally owns…

The “Sistership” Exclusion in the CGL Form October, 2007 Summary: This article explains the “sistership” exclusion found…

The Need For Liquor Liability Insurance November 2001 CGL Liquor Liability Exclusion Can Create Problems Insureds whose businesses involve alcoholic…

Absolute Pollution Exclusion Giving Traditional Environmental Pollution More Than Just Lip Service November 2005 Summary: This article notes…

"Your Work" Exclusion and Roof Damage Q Our insured is a contractor specializing in home construction. Recently, he informed us that the owner of…

Risk Classification Change Affects Premium Rate Q Our CGL insured manufactures harrows. A harrow is a non-motorized piece of equipment that consists…

Funeral Directors Liability, Auto Accidents, and Damage to Bodies Our insured is a funeral director and has his business insured under a BOP with endorsement…

Pollution Claim Covered by Business Auto or CGL Form? Q We have a question about the pollution exclusion in the business auto policy. If, during the…

Loss of Income Coverage and Power Failure Q Our insured's policy provides loss of income coverage with a limit of $25,000 in any one "event" on loss…