Guiding Principles Not Binding on Insured?
Guiding Principles Not Binding on Insured? The Guiding Principles are not binding on insurers although many have voluntarily agreed to abide by the…
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Property Damage Includes Theft of Cash?
Property Damage Includes Theft of Cash? Our commercial liability policy defines property damage as physical injury to tangible property, including all…
Read Full ArticleCare, Custody, or Control Exclusion under Review
Care, Custody, or Control Exclusion under Review November 2014 Our insured was remodeling the claimant's home. Part of the remodel was painting, using…
Read Full ArticleWho Is Responsible for Builders Risk Deductibles?
Who Is Responsible for Builders Risk Deductibles? Currently, we have a requirement that the municipality I represent be a named insured on builders'…
Read Full ArticleSexual Molestation Coverage Under CGL Form?
Sexual Molestation Coverage Under CGL Form? Q As a risk manager for a public entity, I always require that individuals or groups that use my employer's…
Read Full ArticleWorkers Compensation for Employee on Break
Workers Compensation for Employee on Break I have a question related to a CGL claim. The insured's employee left the building, and was walking to a…
Read Full ArticleCovered Auto Designation Symbol 9 Analysis
Covered Auto Designation Symbol 9 Analysis Symbol 9 on the business auto policy refers to nonowned autos, that is, those autos that the named insured…
Read Full ArticleMobile Equipment Coverage away from Insured Premises
Mobile Equipment Coverage away from Insured Premises? This question concerns the use of mobile equipment, specifically a golf cart. The golf cart was…
Read Full ArticleLeased Auto Covered as Owned Auto?
Leased Auto Covered as Owned Auto? Our insured has symbol 2, owned autos only, to describe the covered autos on his business auto policy. The question…
Read Full ArticleMobile Equipment Under the CGL Form
Mobile Equipment Under the CGL Form Our insured is a road builder. He uses a water truck in his work to dampen the terrain to keep the dust…
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