A commercial insured has been served with benzene exposure lawsuits, with exposure going back to the 1980s. Should the agency put the general liability carrier and excess general liability carrier on notice at the time of first notice of loss? The insured has switched carriers over the decades.
A manufacturer sold a division of the business. Is discontinued products liability necessary, or will the ongoing CGL cover the liability for the products manufactured and sold before the sale?
A packing and crating company occasionally moves specialty items. Does its business auto policy exclude property damage to others in the process of loading or unloading?
The U.S. property & casualty insurance market is exhibiting mixed results in 2025, with personal auto on track to achieve profitability but homeowners and general liability segments continuing to experience losses.
A project is requiring a contractor to maintain insurance coverage through the next 10 years. What policy would grant coverage if the business closes during that time?
In the second quarter of 2025, personal lines rates rose by 4.6% and commercial lines rates rose 2.8%.
A contractor with an ISO commercial general liability policy experienced a property damage claim. The carrier says it owes the actual cash value (ACV) for repairs but the agent believes the carrier owes the full cost to repair.
A subcontractor called the general contractor and told him he moved a water supply line, after which a leak occurred. The sub filed a claim, but now denies he ever touched the supply line. The sub’s carrier won’t follow through with the claim.
