Commercial General Liability
Insuring Condominium Property and Liability Exposures
Learn the key issues regarding the insuring of condominiums to avoid holes in either the association's or unit owner's coverage.
Who is an Insured in the CGL and Business Auto Policy?
Understanding the four levels of "insured" status and each one's relationship to the coverage provided allows improved preparation and planning in the initial design and implementation of the insurance program.
Coverage Triggers: Occurrence vs. Claims Made Liability Coverage
Liability protection can be provided by either an "occurrence" trigger or a "claims made" trigger. Learn the coverage triggers for both "occurrence" and "claims made" forms.
The Truth About Liquor Liability
Any risk involved in the alcoholic beverage business has an exposure to a liquor liability loss.
The CGL's Other Coverages
There's more to the CGL than BI & PD. This session will focus on Coverage C (Medical Payments) and the oft forgotten Coverage B (Personal and Advertising Injury).
Liability for Flood Losses
There is a lot of focus today on increasing first-party coverage for flood damage to property. This seminar will describe the growing liability exposure facing property owners, public agencies, and their insurers for claims that they are responsible for creating or allowing conditions that damaged others' property.
Who is an Insured on the CGL and Why Do You Care?
Is the new employee that decided to take a swing at a customer an insured on the company's CGL policy?
Is there coverage if an employee takes action to protect property and injures someone in the process?
Join us as we explore who is an insured on a CGL policy.
When Does Property Damage Occur?
When does property damage occur when property damage is continuous and progressive? When does the damage begin and end for the purpose of triggering coverage in the CGL policy? Join us as Joe Junfola helps us to get a grip on when a loss occurs so that the claim can be handled by the proper policy(s).
Duty to Defend vs. Duty to Indemnify
In many insurance policies, the contract tells us that the insurer has the "right and duty to defend..." but what does that really mean? Is that the same thing as the duty to indemnify? Which is more important or valuable, if either is? Join us as Joe Junfola helps us to understand how the duty to indemnify works with the duty to defend. He'll deal with issues of long-term exposures and continuous damage and he'll explain the "four corners" test.
Urban Underwriting After 2020
The ripples of 2020 are still being felt in the insurance landscape. Join us as Joe Harrington guides us through the changes in underwriting philosophy that may be coming as a result of everything that happened in 2020.