Petting Zoo Insurance: Does a Host Need Coverage for Animals It Doesn’t Own?
A local chamber of commerce is hosting a petting zoo for which a person is letting the chamber use their animals. Event attendees will be required to sign a waiver.
General Liability
Does a BAP Cover Towing Non-Owned Trailers?
A marina will often tow a non-owned trailer, with or without a boat, on marina property and occasionally on a public road. The carrier will not give the agency a definite answer about coverage.
When Should an Agency Notify Past Carriers of a Potential Claim?
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.
Including an HOA as Additional Insured on Contractors’ CGL
An agency insures several contractors that do work for unit owners within a homeowners association (HOA). The HOA asked to be an additional insured on these contractors’ policies. Without incurring a large expense by scheduling the HOA as each job arises, what is the best way to endorse the contractors’ policies to include the HOA…
Discontinued Product Liability and Occurrence CGLs
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?
Does a BAP Cover Loading and Unloading?
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?
Products-Completed Operations Coverage for a Closed Business
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?
Is There a Coverage Gap When BAP and Umbrella Have Different Renewal Dates?
A pallet manufacturing company has a business auto policy that renews in November and a commercial umbrella policy that renews in April.
Does an HO3 Cover a Dwelling Being Built in Another State?
An insured lives in Connecticut but is building a new one-family home on their property in Massachusetts.
ACV or RC for CGL Property Damage Claims?
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.
