General Liability

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?

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?

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?

A pallet manufacturing company has a business auto policy that renews in November and a commercial umbrella policy that renews in April.

An insured lives in Connecticut but is building a new one-family home on their property in Massachusetts.

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.

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 subcontractor called the general contractor and told him he moved a water supply line, after which a leak occurred. The sub filed a claim, but now denies he ever touched the supply line. The sub’s carrier won’t follow through with the claim.

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.