Commercial general liability

Purdue Clock Nearly Crushing Workers Illustrates Crane Exposures

A bell tower clock face undergoing maintenance at Purdue University crashed to the ground last week, nearly hitting two workers on a cherry picker lift. Incredibly, no one was injured in the incident, which was captured on a video that went viral over the weekend. The contractor hired to perform the maintenance, Verdin Company, is…

Parties involved in $2.2 billion construction project face liability following disaster

The $2.2 billion Transbay Transit Center construction project in downtown San Francisco is under intense public scrutiny for cracked support beams that closed the centerpiece of city infrastructure just weeks after it opened. An investigation will determine if the cracks are related to fabrication, installation or design, and if one or more specific parties are…

Cannabis: A Growing Risk

Between the national legalization of recreational marijuana use in Canada effective October 17 and the ongoing state ballot proposals related to public consumption in the U.S., cannabis remains one of the most debated topics for consumers and business owners today. Many Canadian businesses have already begun to make edible cannabis products even before those types…

Increasing Frequency of Dog Bites a Reminder of Costly Liability for Businesses and Pet Owners

In Pennsylvania last month, an employee filed a lawsuit against Home Depot and her supervisors alleging the defendants failed to maintain a safe work environment after she was bit by a dog brought in by a customer. Earlier this month, a toddler in North Carolina was hospitalized after he was bit by a dog. Another…

General liability myths

3 Dangerous Myths About General Liability Insurance

Outlined are three myths pertaining to general liability insurance. Myth: General liability covers financial losses due to professional mistakes. Fact: General liability policies cover bodily injuries and property damage. They don’t, however, cover financial losses caused by failing to deliver a certain service i.e. a professional service. General liability insures products or a completed operation:…

Five Things to Know About Products Liability and CGL Policy

Five Things to Know About Products Liability and the Commercial General Liability Policy

It was not a good Valentine’s Day for pharmaceutical giant Merck. On February 14, the company agreed to pay $688 million to settle two federal class-action lawsuits over the cholesterol drug Vytorin. This is but one example of why sometimes a separate products liability policy makes better sense than a more comprehensive Commercial General Liability…

How Does a CGL Policy Work?

Commercial liability policies provide coverage for the named insured and may extend to certain others, such as employees of the named insured. The policy coverage may also include additional insured(s), as specified in the policy through endorsement(s). The purpose of a commercial liability policy is to provide coverage for the possibility of the named insured…

Commercial GL Some business models fit others require more flexibility

Commercial General Liability: Some Business Models Fit, Others Require More Flexibility

It is early morning and a big truck pulls up to the company gate. A large portable fence is quickly installed and almost immediately, a dozen sheep emerge from the truck and are herded onto the property that will be their pasture for a few hours. When the grass is sufficiently short, the fencing and…