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I often discuss the role of the courts in broadening coverage for additional insureds in a Commercial General Insurance (CGL) policy. Here is another case where a court has extending coverage – probably well beyond what the underwriter intended at … Continue reading
Because they are more and more commonly used, it is worth our time to look into these clauses and understand how they affect both the policyholder and the insurance company. Let’s start with discussing what these clauses mean. What is … Continue reading
There are three kinds of subrogation in most insurance coverage disputes. Contractual Subrogation The parties agree that one has a right to step into the shoes oF the other in certain circumstances. Construction Contracts Insurance Contracts Real Estate Contracts
Carbon Monoxide caused by release of gas from faulty boiler repair? Not covered. See, Harleysville Ins. Group v. Omaha Gas Appliance Co., 278 Neb. 547, 772 N.W.2d 88 (2009)(“The umbrella policy, like the general liability policy, excluded coverage for liability … Continue reading
Can you guess if the event below was covered by insurance? Carbon Monoxide caused by release of gas from a faulty boiler repair? O Yes O No Mercury found in an apartment that was leased to renters? O Yes O … Continue reading
Adding another company as an Additional Insured under your own Commercial General Liability (CGL) policy is a common practice. The addition protects that other entity against your company’s negligence. The coverage is almost always limited to “your” work, meaning the … Continue reading
California: See, Cal. Civ. C. §2626 and 2628; Howell v. State Farm Fire and Cas. Co., 218 Cal. App.3d 1446, 267 Cal. Rptr. 708, 711 (1990). North Dakota: See, N.D.C.C. §§ 26.1-32-01 and 26.1-32-03; W. Nat. Mut. Ins. Co. v. … Continue reading