Damage to Your Work Exclusion and Subcontractor Exception Our insured, a general contractor, engages subcontractors to build homes. The HVAC subcontractor…

Mural Not a Sign My question is in regard to the unendorsed CP 00 10 04 02. Signs are not defined in the form. In your experience, are murals painted…

Colleges or Schools Endorsement Affects General Liability Coverage Our insured is a school and the school has a gym. The school rents the gym to several…

Renovation Is Not an Act of Vandalism A building owner discovered that a tenant, who had a lease agreement for two units, renovated the rental space…

Liquor Liability Exclusion Applies to Gift? If an executive officer buys a bottle of liquor and gives it to a staff member or other employee as a gift,…

Deductible Endorsement Pertains to Damages In the ISO deductible endorsement, CG 03 00 01 96, what is intended to be included within the deductible?…

Completed Operations Claim Due to Installation of Refrigerator Our insured was hired by the claimant to install a mini-refrigerator and freezer unit;…

CGL Coverage for Alleged Theft by Employee   We issued a CSP policy to The Housekeepers. It appears an employee took items from two homes, but…

Pollutant Damage Caused by Specific Perils Not Excluded Our insured sustained a loss due to a puff back from their gas-fired furnace. The carrier denied…

"Fine Arts" Does Not Include Wall Plaques A fire totally destroyed a VFW post's building and personal property, for which the insured was paid the…