“General” is not blanket coverage
Agents who assume the duty to advise on commercial general liability must understand its scope and its many contractual limitations and exclusions. The policy focuses on tort liability arising from the insured’s premises, operations and products. Separate coverage is needed for vehicles and cargo, pollution, professional malpractice, employee injury and shareholder actions against directors and officers, and the interaction of the limits can be confusing.
Issues we analyze
- Coordination with workers compensation, auto liability and umbrella coverage
- Contractual liability and third-party action over claims
- Products and completed operations liability
- Hold harmless and indemnity agreements and certificates of insurance
- Professional services and pollution exclusions
- Occurrence vs. claims-made forms
- Defense costs inside or outside limits
- Classification issues and premium audits
Mr. Sapourn is retained by both plaintiff and defense counsel for case analysis, opinion reports, affidavits, depositions and trial testimony. Request his CV and Rule 26 disclosure through the contact form.