One of the most common questions received by the Big “I” Virtual University’s Ask an Expert service is how to provide “cross liability” coverage under commercial general liability. The question typically arises from a certificate request for the coverage
Insuring Rental Dwellings; Glass Scratched by Window Cleaners…Covered by Your HO Policy?; Glass Scratched by Window Cleaners…Covered by Your HO Policy?
At the annual Goat Cheese Festival, a musician injures herself when she jumps off the event stage while performing. The event’s hosts CGL insurer denies the claim, saying the stage—actually, a trailer—was considered auto even though it was disconnected fr
When Ace testifies as an expert witness in an insurance fraud case, the court judge pauses the trial to ask him for advice on a separate matter. The judge’s neighbor is a landscape contractor, whose employee was injured when moving a heavy chest at the co
Nary a day passes without news of another crisis embroiling corporate board directors and senior officers. Corrupt executives one day, rogue traders the next. In the wake of the news, management frets and sweats as stock prices swoon, shareholders take to
An insurance agent thinks he has all the answers and no longer needs Ace’s help—until Ace finds a hole in coverage for the agent’s client, a letter service courier. So why didn’t Ace think a general liability policy would be enough to cover the courier if
Ace meets an insurance agent at a help group for people with trust issues. Ace is there to cope with his own matter (he still believes in a certain holiday gift-giver), but he helps the agent come to terms with a bad assumption that led him to insure a mo
The BAP “Work You Performed” Exclusion; Debris Removal and Trees; Care, Custody or Control and Separation of Insureds
A caterer at a celebrity wedding tackles Ace when he tries to take a picture at the private event. The caterer ponders if her CGL policy would provide coverage if one of her employees leaked a photo, but Ace notes she has another form of coverage to consi
An agent asks, “What is the rule with regard to workers’ compensation when an employee buys the company that he has been working for? The company changed from a corporation to an LLC. Will the company’s mod change?”