Category Archives: Coverage Questions

Every Contractor Needs Contractors Professional and Pollution Liability Coverage

Most contractor risks end up with potentially expensive coverage gaps. That’s because Coverage Part A of the commercial general liability policy is limited in scope, extending coverage to claims arising from only bodily injury and/or property damage. Couple this limited … Continue reading

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The 20 Percent Claim Solution

Texas has had a proportionate responsibility law for some time. The purpose is to prevent someone from recovering the amount that their own negligence contributed to a claim. This is codified in the Civil Practices and Remedies code which requires … Continue reading

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‘Tis the Season: Hunting Accidents Will Happen

It’s hunting season, so chances are that you have insureds asking you some version of the following questions. Will the liability insurance on my homeowners policy cover me if I accidentally shoot someone while hunting? What about some other kind of … Continue reading

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Ask Regina

Q. How does endorsement  CG 22 94 Exclusion – Damage To Work Performed By Subcontractors On Your Behalf change my contractors policy? A. This endorsement was introduced by ISO along with the 10-01 edition of the CGL policy and is now becoming … Continue reading

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Ask Regina

Q. We have a mortgagee insisting they be shown on the condominium association master policy, when they are only the mortgagee for an individual unit owner, should they be added? A. The Texas Uniform Condominium Act in Section 82.111 (e) … Continue reading

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Ask Regina

Q. We recently had a company underwriter tell us if we use the blanket endorsement CG  20 33 Additional Insured – Owners, Lessees or Contractors – Automatic Status When Required in Construction Agreement with You that it covers everyone in … Continue reading

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Ask Regina

Q. My insured is required by his lease to provide loss of rents for the benefit of his landlord. How does he do this on his commercial property policy? A. Your insured can meet this requirement by adding endorsement CP … Continue reading

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Damage Caused by a Shoot Out: How’s It Covered?

With the recent shootings countrywide, how are businesses insured if their building is damaged by a police shoot-out or the business is interrupted because a portion of the city is shut down during or after the shootout? For coverage to … Continue reading

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How to Tell if Your Clients Need Discontinued Product Coverage

An Iowa agency insured a plumbing and heating business with a CGL policy on a standard CG 00 01 occurrence form for many years before it closed in summer 2014. In spring 2015, a minor fire resulted from a furnace … Continue reading

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Something New: Renting the Driveway

Finding a public parking spot in a congested urban area can be a big problem these days. A company by the name of ParXit has developed a potential solution for the problem. ParXit provides an online platform that enables a … Continue reading

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