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Commercial liability

310053-00

Covering volunteers
Our client will be setting up tourist information centers in connection with a big local music festival. These booths will be staffed throughout......

310066-00

‘Safe place to work’ exposure
A question has arisen due to a suit by a subcontractor’s employee against the general contractor for negligence in maintaining the premises.......

310126-00

Employment practices liability—discrimination claims
What is the New York Department of Financial Services’ position on insuring acts such as discrimination?...

310147-00

Defense within limits
Is an insurance company permitted to offer a policy in which the defense costs could exhaust the limits of the policy, leaving nothing to pay the......

310158-00

Group property/casualty policies
Our client is the 100% owner of one corporation and a 50% owner of another. The business of these two entities are not related and there is no......

310244-00

Contractors statute of limitations
Can you tell me what the statute of limitations is in the state of New York for the following: a contractor in New York is retiring. How long does......

310304-00

Defense within limits (Reg. 107)—affected policies
Are policies issued in the Free Trade Zone and policies issued by excess-line insurers subject to the restrictions on policy terms found in......

310373-00

Discontinued operations—gone out of business
When contractors go out of business, we always recommend they buy “discontinued operations liability coverage” for products and......

310396-00

Commercial liability—OGS additional insured requirements
The New York Office of General Services includes the following statement in its “Contractor Insurance Requirements”: All insurance......

900018-00

Coverage territory
I am concerned about the coverage afforded by the commercial general liability policy for foreign liability situations. My insured does business......

900051-00

Snowplowing—completed operations
We are getting conflicting opinions from various sources regarding coverage under the ISO Commercial General Liability Coverage Form.......

900052-00

New locations, operations
Does the ISO Commercial General Liability Policy cover new locations and operations of an insured automatically? Is coverage limited to the......

900054-00

Theft from customer
We insure a beauty salon under a commercial general liability policy. One day, robbers walked in and took a $10,000 ring worn by one of the......

900057-00

Controlling Interest endorsement
What is the proper use of the Additional Insured—Controlling Interest (CG 20 05) endorsement?...

900072-00

Patent infringement claim
Our insured has been charged with patent infringement. Will this be covered under Coverage B of the ISO Commercial General Liability Coverage Form?...

900095-00

Personal and advertising injury liability—wrongful eviction
We’d like an interpretation of Coverage B—Personal and Advertising Injury Liability of the ISO Commercial General Liability Coverage......

900096-00

Hold-harmless agreements—injury to employees
We have an insured who signed a contract to defend, hold harmless, and indemnify a client for any liability actions, including actions brought by......

900097-00

Pollution exclusion—welding
We have an insured with an ISO Commercial General Liability occurrence policy. The insured is a steel fabricator and erector who does some welding......

900098-00

Waiver of subrogation
Can a commercial general liability policy insured waive subrogation in a separate contract without impacting coverage under the policy?...

900099-00

Lease requires civil assault and battery coverage
One of our clients is leasing a warehouse facility. The terms of the lease have insurance requirements that include “Civil Assault and......

900100-00

Business records subject to audit
What can and can’t a company require by way of business records in connection with a premium audit? Our company wants to see copies of......

900101-00

Trigger for personal and advertising injury
I’m confused by the various triggers for coverage used on an Insurance Services Office Inc. Claims-Made Commercial General Liability form.......

900102-00

‘Damage to property’ exclusion
Our insured was installing a sign for a business when the sign slipped. The sign scraped a wall going down, causing $12,000 worth of damage. How......

900103-00

Medical payments for day-camp kids
We insure a day camp for children. The insurance company denies that the Medical Payments coverage under the Insurance Services Office Inc.......

900105-00

Separation of insureds/duty to cooperate
Our insured is involved in a third-party claim situation under a commercial general liability policy. The claim is based on the actions of a......

900178-00

Fire legal liability coverage
Could you provide a definition of “fire legal liability” with respect to a commercial general liability policy? Our insureds are......

900180-00

Audit premium for ‘inadequate’ subcontractor limits
We wrote a commercial general liability policy for a contractor with a $500,000 liability limit. He engaged a subcontractor with only $300,000 in......

900189-00

Third-party-over actions
How does the subcontractor’s Commercial General Liability Policy respond to third-party-over actions when that policy is endorsed to waive......

900194-00

Amendment of insured contract
Could you explain the changes in the Amendment of Insured Contract Definition (CG 24 26) endorsement?...

900195-00

Additional insured—sole negligence
In view of the fact that ISO’s revised additional insured endorsements exclude the sole negligence of the additional insured, is it correct......

900196-00

Damage by an additional insured
Does adding someone as an additional insured automatically preclude coverage for the additional insured when the named insured’s personal......

900220-00

Carpet damage
My client is a carpet cleaner, who goes to locations to clean carpets. We have submitted a claim for a carpet which was damaged by his cleaning.......

900231-00

Health club professional liability
From a coverage standpoint is it better to rely on the silence of a commercial general liability policy for professional coverage if it is not......

900263-00

Supplementary payments—attorney fees
I was doing a little research and I see that the 2007 edition of the ISO Commercial General Liability Coverage Form (CG 00 01) will not pay for......

900299-00

Blanket additional insured
We were recently informed that the blanket ISO endorsement CG 20 33 is not really a blanket additional insured endorsement at all and that it only......

900367-00

Additional insureds and downstream contractors
A general contractor is named as an additional insured on a subcontractor’s policy. The downstream (sub-sub) contractor has a......

900370-00

Partners and DBAs
When insuring a partnership entity for commercial general liability insurance, should the registered DBA (“doing business as”) and the......

900388-00

Mobile equipment dilemma
Is a garbage truck or a catering truck covered under the ISO general liability coverage form considered mobile equipment?...

900433-00

Bring-your-own liquor
I insure a small restaurant that permits customers to bring their own wine for consumption on the premises. Can this be covered without a liquor......