November 2013 Intro Page

Dec Page

The article of the month deals with automatic coverage for vehicles under the terms of the personal auto policy (PAP). This coverage is provided under certain conditions to autos that eh insured acquires during the policy period. There is also a distinction made between a replacement vehicle and an additional vehicle when it comes to automatic coverage. This article discusses coverage for newly acquired autos, coverage for trailers, ownership of a stolen auto, and replacement versus additional autos, with court cases duly noted. See the designated article in the Bulletins.

The Dec Page also offers the second and concluding part of an article written by Don Malecki on the subject of the ISO commercial general liability manual rules dealing with those liability classifications that automatically include products and completed operations liability coverage. Both insurance people and policyholders can be confused about the procedure that certain products and completed operations exposures are automatically provided without additional charge, and that such coverage is not subject to the products and completed operations aggregate limit.

Underwriters and producers need to be careful about coverage and possible premium charges when the classification code automatically includes the products and completed operations liability coverage, and this article will provide help in that area.

Questions and Answers

Is a damaged chiller's motor the insured's work or is the entire unit containing the motor the insured's work? See Damage to Chiller Not a Completed Operations Claim.

Are injuries resulting from inhaling chlorine covered by the CGL policy with a total pollution exclusion endorsement? See Bodily Injury Caused by Chlorine Fumes and the CGL Policy.

Commercial Excess Liability Coverage Form

Insurance Services Office (ISO) has developed the Commercial Excess Liability Coverage Form, CX 00 01 04 13, which was introduced as a part of the Commercial Umbrella Liability program. The form was designed to sit atop various ISO and independent company programs, including general liability, commercial auto, employer's liability, and businessowners.

This article is a general overview of the current ISO Commercial Excess Liability Coverage Form. The coverages, exclusions, conditions, and definitions of the form are noted and analyzed.

 

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