[quote="darnovak"]Rob: Sorry, I forgot to join the "everybody already knows this" club years ago. Here in NY we have absolutely no knowledge of anything important in the GL world so I apologize for asking for clarifications and definitions - too much to expect "at this place". Thanks for the reply. Message received.
Well, darnovak, I don't really know much about the situation in NY with respect to GL quite honestly (even though I'm originally from there years ago). I do know, however, that the Montrose decision affected the wording and availability of GL here in CA. If you are an agent in CA and write a lot of this stuff, then you do already know this which is why I didn't go into detail. I responded the way I did because your original response was tinged with sarcasm and tried to make my question look like that of an inexperienced, foolish beginner, which I am not. So I apologize for coming back at you that way. I still stand by my opinion that this is a good place to solicit other's opinions on topics such as these. With certain complex insurance issues, I think we can all stand to learn something.