Every day, thousands of people request and receive proof of someone else's Commercial General Liability (CGL) insurance. They might be named as a certificate holder or they might be named as an additional insured. They might want to be named as an additional insured for ongoing operations, completed operations, or "your work." They might request Primary Wording, or Non-Contributory Wording, or a Waiver of Subrogation, or a Hold Harmless Agreement. They might say that the insurance company has to have an A.M. Best Rating of at least A-, VIII, and write business in the state on an admitted basis. WHAT DOES ALL OF THIS MEAN? If you are requiring or providing additional insured endorsements, you should know what they mean. In this book, attorney and insurance professional Dwight M. Kealy walks the reader through memorable answers to these kinds of questions that are faced everyday by insurance professionals, attorneys, risk managers, and any business that regularly deals with insurance requirements.

The Commercial General Liability (CGL) Insurance Policy is the standard business policy used to pay claims for bodily injury or property damage to others. The policy is divided into three coverage sections-each with its own exclusions-and a supplementary payments section. Do you ever hear-or worry-that an insurance company will not pay a claim because coverage is excluded? In order to know how claims are paid, you need to understand the policy's insuring agreements and exclusions. In this book, attorney and insurance professional Dwight M. Kealy explains the insuring agreements in Coverage A, B, and C. He gives memorable examples of every standard exclusion-and some significant non-standard exclusions. He explains every supplementary payment, and he explains how policy limits impact how claims are paid.

CGL Policy Handbook, Second Edition offers plain-language analysis of the complex points of the CGL policy language and case law, focusing on issues where the terminology is subject to more than one interpretation. Whether you represent policyholders or insurers, you'll find the practical guidance you need to resolve coverage issues faster and prepare or defend claims more effectively. This comprehensive manual provides outstanding analysis of how CGL policy may integrate with many other primary liability policies and umbrella policies and offers helpful guidance for determining when specialized insurance policies or endorsements may need to be supplemented. Recent updates include discussion of many recent developments and adds significant new case law on a number of critical issues including: Enterprise risk management The insurance aftermath of September 11, 2001 Property damage Intentional damage exclusion Polluted related exclusions Employment related exclusions Motor vehicle exclusions andquot;Expansive riskandquot; exclusions Personal injury Advertising injury There's simply no more comprehensive or current research tool in this fast-changing area of the law!

Construction is a complex business. Each project has its own unique physical and commercial considerations. Since there’s no such thing as a “standard” or “typical” construction project, construction contracts should also not be considered standard. The contractor must carefully manage both in order to have a successful outcome and protect the company’s interests and assets. This book will help you manage all these elements of the contract: Scope of work and schedule Terms of payment and cash flow Assurances of performance Insurance, bonding, indemnity, and warranties Changes to the contract Disputes and their resolution Damages Termination and suspension Force majeure International contracting

Most people think they are fairly ethical-or at least as ethical as others. In this book, attorney and insurance professional Dwight M. Kealy walks the reader through Contract Law, Tort Law, Criminal Law, and the Department of Insurance Code as a way to define ethical boundaries for insurance agent conduct. Sometimes the author writes as the attorney representing a client against an insurance agent. Sometimes the author writes as the attorney defending the insurance agent. Throughout the book, the author balances these opposing views to expose the relevant legal issues, and to encourage the conduct insurance professionals should follow to stay out of court and keep their insurance licenses.

Let the Industry's most renowned CGL experts take you to the heart of general liability exposures and problems. This guide is the only resource to provide an in-depth, year-to-year comparison covering over 20 years of the CGL form. You'll also find court case citations that clarify the policy, summaries of all major endorsements to the forms and tips on how to tailor a policy to meet the needs of your clients. Commercial General Liability, 9th Edition has been updated to include the most recent exclusions and exceptions of the CGL form.