Products-Completed Operation Hazard Redefined
Products/Completed Operation Hazard Redefined Q My insured is a community association. The association operates a restaurant in its club house where…
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Employer's Liability Exclusion and Injury to Child of Employee
Employer's Liability Exclusion and Injury to Child of Employee The claimant in this situation is the child of an employee of our insured. She was injured…
Read Full ArticleRailroad Protective Liability Question
Railroad Protective Liability Question Is railroad protective liability coverage built into the standard CGL coverage form, or is it excluded by the…
Read Full ArticleOne Deductible or Two?
One Deductible or Two? April 7, 2014 A CP 00 10 form was written on three properties for the same insured, all located at different addresses. Each…
Read Full ArticleCompleted Operations Liability—Coverage Territory Limits
Completed Operations Liability — Coverage Territory Limits Q What are the territorial limitations in a commercial general liability (CGL) coverage…
Read Full ArticleAir Conditioning Unit Not Classified as an Appliance
Air Conditioning Unit Not Classified as an Appliance My insured has CP 00 10 04 02 and CP 10 30 04 02 coverage forms applicable with replacement cost…
Read Full ArticleVolunteers and Club Members—Insured under the CGL Forms?
Volunteers and Club Members-- Insured Underthe CGL Forms? Recently, we have had a number of inquiries regarding the "who is an insured" section of…
Read Full ArticleWater Damage Exclusion—Proximate Causation
Water Damage Exclusion—Proximate Causation Q Our insured is covered under the businessowners special form, BP 00 02 12 99. One evening, several…
Read Full ArticleFragile Articles Exclusion under BOP
Fragile Articles Exclusion under BOP Q We request your opinion regarding a claim that has arisen under a businessowners package policy issued with…
Read Full ArticleEmployee Theft and Direct or Indirect Loss
Employee Theft and Direct or Indirect Loss April 10, 2017 On a proven employee theft where the employee bookkeeper entered fraudulent…
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