Does a Rental Car Have Other Than Collision Glass Coverage from a PAP?
A client has full glass coverage on her personal auto policy. She rented a vehicle while traveling and got a chip on the windshield.
Strategies
Does Endorsement CG 24 08 Add Liquor Liability to CGL?
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.
Builders Risk vs. Homeowners Endorsements for Luxury Home Renovation
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?
Additional Insured Endorsements for Landlords During Construction Without a Written Contract
The landlord, the tenant and the general contractor mistakenly believe the contractor’s additional insured endorsements are triggered by the lease agreement.
What Endorsement Adds an HOA as an Additional Insured to a Renters Insurance Policy?
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 Limitation to Designated Premises Endorsement?
A carrier is adding the 1998 version of the ISO form CG 21 44 Limitation to Designated Premises endorsement to all policies on habitational or rental properties with more than one location.
Service Line Endorsement: Is Damage to a Drain Field a Covered Loss?
A mound system drain field failed, but the carrier denied the claim because piping wasn’t damaged.
What Does a Fellow Employee CGL Endorsement Cover?
Here’s how to explain to a client when a fellow employee endorsement would be triggered.
How Does the Consent to Settle Endorsement Work?
How are defense costs handled in this scenario? Is the insured responsible for these costs?
Protective Safeguard Endorsement: Does Landlord Have Control of Tenants’ Fire Prevention Equipment?
An insured owns a shopping center with several restaurants. Failure to comply with the protective safeguards listed in the endorsement over which the insured has control would result in no coverage for a fire loss.
