Liquor Liability Exclusion Applies to Gift? If an executive officer buys a bottle of liquor and gives it to a staff member or other employee as a gift,…

Deductible Endorsement Pertains to Damages In the ISO deductible endorsement, CG 03 00 01 96, what is intended to be included within the deductible?…

Completed Operations Claim Due to Installation of Refrigerator Our insured was hired by the claimant to install a mini-refrigerator and freezer unit;…

Pollutant Damage Caused by Specific Perils Not Excluded Our insured sustained a loss due to a puff back from their gas-fired furnace. The carrier denied…

Spoilation of Evidence Claim and the CGL Form Q I read an article recently that mentioned spoilation of evidence and noted possible coverage issues…

Property Not Covered Includes Phone Cards? Accounts, bills, currency, deeds, food stamps or other evidences of debt, money, notes or securities. are…

Glass Damage and the CGL Form Q Our insured is a window cleaner. One of his friendly competitors had a claim involving scratched windows which the…

Coverage Territory under CGL Form Does a location have to be listed on the declarations page of a commercial package policy in order for the general…

Ordinance or Law Coverage—Need for Q We are insuring the owner of a new multistory construction project. Would we have a potential coverage…

Leasehold Interest Coverage Q I have an insured who has a lease totally silent on both continuing rents and cancellation of the lease. The leasehold…