Discusses commercial policy and whether a septic tank can be considered a sewer.

Extremes of Temperature Exclusion Q Our insured coats fixtures and then passes them through an oven to bake. A sink fell off the oven conveyor belt…

First Aid Covered under CGL Form? Q Is there coverage under the standard commercial general liability coverage form if an employee performs first…

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…

Loading of Truck Causes Claims Conflict Between BAP and CGL Forms Q Our insured is a real estate developer and general contractor. He hired an independent…

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,…

Installation Floater—Damage Coverage? Q Our client, a heating and air conditioning contractor, keeps heating units in his shop that he takes…

Our insured owns an apartment complex. One building suffered an electrical fire at approximately 9:00 A.M. The fire caused enough smoke and electrical…

General Liability Coverage at Designated Premises CG 21 44, limitation of coverage to designated premises or projects, is an endorsement to the CGL…