Loading or Unloading Coverage
Gap Under the CGL Form

Q

It has come to our attention that many of our clients may have less coverage than they think with respect to loading or unloading of nonowned watercraft. We think that when the owner or operator of a watercraft is named an additional insured on a CGL form, this eliminates coverage for the first named insured (our client) with respect to loading or unloading of the additional insured's watercraft.

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