ISO Programs
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Ice Damming - Commercial Property Claims
January 11, 2021 | Discussion|ISO Programs|Questions & Answers
Presents several claim questions regarding ice damming as a cause of loss on commercial properties.
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Public or Livery Conveyance Exclusion Endorsement
January 07, 2021 | Discussion|Endorsements|ISO Programs
Updated January 7, 2021 With the popularity and attention ride-sharing has received, it is no wonder that new endorsements have been created. The…
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Insurance Coverage Q&A: Other Insurance – Primary and Noncontributory Provision
December 28, 2020 | Endorsements|ISO Programs|Questions & Answers
Questions a comparison of the primary and noncontributory additional insured language in a Travelers specific policy as compared to the ISO endorsement CG 20 01.
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Insurance Coverage Q&A: What happens if someone vandalizes my gas tank?
December 14, 2020 | ISO Programs|Questions & Answers
Discusses whether putting a substance in a gas tank is covered as vandalism under the personal auto policy.
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CG 21 51 04 13 Amendment of Liquor Liability Exclusion Exception for Scheduled Premises or Activities
November 30, 2020 | Endorsements|Form|ISO Programs
Endorsement is identical to CG 21 50, but this endorsement provides an exception. Specific activities must be listed in the endorsement or the policy declarations as exempt from the liquor exclusion.
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CG 21 50 04 13 Amendment of Liquor Liability Exclusion
November 30, 2020 | Endorsements|Form|ISO Programs
Deletes the liquor liability exclusion in the CGL form and replaces it. The term"in the business of" is eliminated. Instead, the exclusion applies only if the insured (1) manufactures, sells, or distributes alcoholic beverages, (2) serves liquor for a charge, regardless of whether or not the activity requires a license or is for the purpose of financial gain, (3) serves liquor without charge if a license is required for such an activity; or (4) permits any person to bring alcoholic beverages onto the insured's premises for consumption on the premises.
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CG 00 33 04 13 Liquor Liability Coverage
November 30, 2020 | Endorsements|Form|ISO Programs
Provides liquor liability coverage as a stand-alone coverage.
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Liquor Liability Exclusion
November 30, 2020 | Charts|Contract Analysis|Discussion|ISO Programs
Explains the ISO CGL liquor liability exclusion with cited court cases and includes a chart of the recently updated liquor liability grades by state.
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Insuring Hired and Borrowed Autos Under Business Auto
November 23, 2020 | Core Article Library|Discussion|Endorsements|Form|ISO Programs
Discusses business auto liability coverage for hired and nonowned autos.
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CA 00 01 11 20 Business Auto Coverage Form
November 18, 2020 | Endorsements|Form|ISO Programs
CA 00 01 11 20 Business Auto Coverage Form