Keep in mind that I was not asking this so that I can get around our carrier's advices or anything like. More to the point, I simply feel that if the verbiage of the endorsement is taken literally(which is how a court would take it, I hope, if it came to that) that the additional insured endorsement...

You might be on the right track; but I would have thought that a warranty is only for replacement of the product? Not a big issue for a $50 or maybe even $250 product(except of course, for the possibility that thousands might be recalled at once)...? Warranty insurance products aren't distributed th...

Sorry, I meant role not roll. The GL covers BI & PD. There is an exlcusion for your work. I had a client that streched out metal to make it smooth. The mfg who purchased and used the product sued. They alleged that the processing of the metal caused the thickness to be too small and would not b...

To the best I can tell the CG 0001 form excludes contracts from indemnifying engineers and architects from indemnification for their professional activities, but not ALL indemnification. You may notice if you read the CG 2007 07 04 endorsement for Engineers, Architects and Surveyors, that while it d...

Personally I wonder if this is an attempt by the carrier to steer you to putting the other endorsement on the policy because the other endorsement happens to have stronger professional liability exclusions, but does that mean if you don't, the original endorsement won't apply? But I guess the ultima...

I haven't had to deal with this in 4 years(since I've been working with Truckers since that time and not contractors), but I remembered this issue I once had and was wondering if I am right about it - or not. For example- the CG 2010 additional insured endorsement is TITLED "Owners, lesses or c...

You might just have answered my question - my agency is in NJ so 99% of our customers' out of state exposures are in fact, New York, so I guess I kind of thought that the same thing would apply to work in any state. For example I thought that, say a trucker, whose employees may live and be hired in ...

Big Dog- what do you guys do when they are in fact only domiciled in the one state, from which they purchase the insurance, but they are in the state assigned risk which won't offer "other states" coverage?

Are you really talking about a truck "broker", or a trucker that utilizes owner operators? Brokers generally place loads with truckers who have their own motor carrier authority, whereas truckers that use owner ops do have motor carrier authority under the carrier's name, and the carrier p...

Does sending a copy of a certificate to a carrier, against their will, that most likely contractually obligates you to issue accurate certificates, does that truly place any of the responsibility back on them?

How does one deal with the transition from agency to company underwriting from a standpoint of, well frankly, at an agency you can have the attitude of, "we'll get it done somewhere", and at a company you just have to say no for the smallest of reasons. I personally often think companies a...

Auto policies don't have wrap exclusions but if your auto was involved in an accident off-site and the injured party's attorney learned of the job it was coming from, that's one way. For a GL loss though....it's not that easy to come up with an example... but I imagine one possibility is that if a c...

So, if the sub's policy has a wrap-up exclusion that doesn't differentiate between on and off site, and the wrap up might not cover it either, then that's a huge gap isn't it? How would you resolve that gap? I would think you pretty much either have to ask the carrier to manuscript off site coverage...

Do OCIPs usually provide off-site at all?

While I agree that we should tell the client if the additional insured endorsement does or doesn't cover completed operations....except for, say, CG 2037, no endorsement actually comes out and says that it covers completed ops. With that said, the reason that CG 2010 11/85 and similar endorsements d...