General Liability

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 general contractor in New York is being required by a state authority to have $1 million limit for coverage for damages to rented premises. The commercial general liability (CGL) carrier can only issue a maximum of $300,000.

An insured has hired a company to demolish an old building, on which they have liability coverage, that has a common wall with the property next door.

​A carrier is adding BP 04 71 Exclusion – Volunteer Workers to every business owners policy, even on BOPs for contractors. The agent doesn’t understand why a carrier would want this exclusion on an entity with little to no volunteer exposure.  In C. Who Is An Insured, the BOP includes: Your “volunteer workers” only while performing duties related…

An admitted carrier in Texas tried to nonrenew a commercial umbrella policy that was due to renew in 30 days. However, the Texas insurance code says insureds must be notified of a nonrenewal 60 days before renewal. When the agent mentioned this, the carrier said it would extend coverage for another 30 days and then…

While cleaning a water tank, a contractor accidentally left the water outlet open. Sandblast media entered the city water supply and contaminated products in a cheese manufacturing facility.

If a customer of one of the tenants was injured in an auto accident in the parking lot, does the standard commercial general liability policy without the non-owned auto endorsement provide coverage for the landlord?

The coverage offers business income, reward money for information leading to the capture of the perpetrator, a public relations consultant and a crisis manager.

With a dynamic general liability market, agents can play a key role in assisting their clients and continually add value to the relationship.

As litigation funding becomes more common in general liability litigation, rising claims costs are impacting the casualty market.