Legal Services Related to Commercial General Liability Coverage:

Key factors:

• Whether an Insurer has a duty to defend its insured;
• Whether an Insurer has a duty to indemnify, or pay a judgment entered against its insured;
• The Insurer’s right to audit its insured and assess an additional premium;
• Analysis of tenders for defense and/or indemnity by contractors and subcontractors on an additional insured and insured contract basis;
• What policy limits apply and whether they are excess or pro rata;
• Whether a loss falls within the:
• Expected or Intended Injury Exclusion;
• Contractual Liability Exclusion
• Liquor Liability Exclusion
• Employer’s Liability Exclusion
• Pollution Exclusion
• Aircraft, Auto or Watercraft Exclusion
• Damage to Property Exclusion
• Damage to Your Work Exclusion
• Whether a loss is covered under the Products-Completed Operations Hazard
• Whether a loss is covered under the Personal and Advertising Injury coverage.