Technical Knowledge

A carrier is attaching the exclusion to every contractor policy regardless of business class. How will this exclusion apply to different types of contractors?

A carrier added the endorsement to a commercial general liability form and says that the endorsement adds liquor liability to the policy, as it eliminates the liquor liability exclusion.

A client’s commercial property suffered wind damage. Repair estimates were approved, but weather delayed the repair and the costs increased. The adjustor is denying the additional repair costs.

A client is planning a $400,000 house renovation. Would a builders risk policy be the best option to cover the renovation, or are there specific ISO homeowners endorsements that can be added?

​As we head into a new year, there’s no better time to equip producers with foundational insurance industry knowledge and concepts.

Is there a liability coverage gap for the sale of THC-infused drinks, with or without the addition of a liquor liability form? Does the definition of “intoxication” apply to only alcohol or more broadly?

A landlord’s property management firm wants to be added as an additional insured to the policy, but the carrier requires that the property manager is listed on the deed.

The landlord, the tenant and the general contractor mistakenly believe the contractor’s additional insured endorsements are triggered by the lease agreement.

An agency is getting regular requests from homeowners associations (HOAs) to list the HOA as an additional insured on its tenants’ renters insurance policies. However, the carriers will only list the HOAs as certificate holders or additional interests.

What is the proper wording to reflect additional insureds on certificates of insurance (COIs)?