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Coverage

Mitigating Sexual Misconduct & Molestation Exposures

In today’s increasingly litigious environment, entities are being contractually required to carry limits of sexual misconduct and molestation insurance never before carried. These companies need an innovative insurance product that provides the required coverage for their exposure as a contracted employee. Sexual Misconduct Liability Insurance is designed to assist these entities fulfill their insurance needs. POLICY HIGHLIGHTS Coverage includes negligent hiring, employment, training, investigation and retention or failure to report employees who commit acts of sexual misconduct or molestation. Worldwide Coverage – Claims can be brought outside the U.S. Broad definition of Insured Persons includes executive officers, directors, trustees, employees,… Read More »Mitigating Sexual Misconduct & Molestation Exposures

“Your Work” Exclusion on CGL Policy

Insurance isn’t a warranty. It doesn’t replace faulty work or products, but it does cover the Bodily Injury (BI) and Property Damage (PD) caused by the faulty work or product. The exclusion of faulty work often referred to as “your work”. One of the most contested provisions of the commercial general liability (CGL) policy is the provision excluding coverage for property damage to the insured’s completed work. In 1986 Insurance Services Office, Inc. (ISO), revised the standard CGL policy form to include an exception to this exclusion if a subcontractor performed the work for the insured. This revision has become… Read More »“Your Work” Exclusion on CGL Policy