Insurance 101 | Bell Davis Pitt

building collapse

Owners and Contractors: Does Your Insurance Policy Cover Defective Workmanship?

Alan M. Ruley Allison Buckner Parker

Insurance Recovery Construction and Design Law

The Problem – Coverage for Faulty Workmanship. A frequent question that we face is whether a property owner or contractor’s insurance policy provides coverage for the cost of repairing faulty work done by a subcontractor. The specific terms of the policy are critical here. If the policy contains a defective workmanship exclusion, it may not provide coverage. A Recent Decision – Exclusions Have Exceptions.

Business closure COVID19

Insurance Coverage for Coronavirus Losses

Alan M. Ruley Allison Buckner Parker

COVID-19 Legal Insights Insurance Recovery

CGL Policy Conditions

Important Conditions in Your CGL Policy

January 28, 2020

Alan M. Ruley Allison Buckner Parker

Insurance Recovery

The “Conditions” section is the fourth of five sections in the standard form CGL (Commercial General Liability) policy. It contains several items that are of critical importance, beginning with your duties in the event of an occurrence, offense, claim or suit.

CGL Insured

Who Is an Insured in a CGL Policy?

January 23, 2020

Alan M. Ruley Allison Buckner Parker

Insurance Recovery

Recall that a standard CGL (Commercial General Liability) form policy has five sections: (1) Coverages and Exclusions; (2) Who is an Insured; (3) Limits of Insurance; (4) Conditions; and (5) Definitions. Our last post discussed the Coverages and Exclusions section; this post explores the “Who is an Insured” section. To determine who is an “insured” under a CGL policy, first look at the Declarations page. That page will list the named insured, which will be one of the following:

CGL insurance coverage

CGL Policy Coverages and Exclusions

January 7, 2020

Alan M. Ruley Allison Buckner Parker

Insurance Recovery

In an earlier post we listed the five sections that a CGL (Commercial General Liability) policy form contains: (1) coverages and exclusions; (2) who is an insured; (3) limits of insurance; (4) conditions; and (5) definitions. This post takes a deeper dive into the first section, coverages and exclusions.

The Insurance Policy Declarations Page – How to Read It

January 2, 2020

Alan M. Ruley Allison Buckner Parker

Insurance Recovery

In an earlier post we briefly described the three main parts of a commercial general liability (“CGL”) policy: (1) the declarations page; (2) the policy form; and (3) the endorsements. This post will teach you how to read the first item that you will see in your CGL policy, the declarations page.

CGL policies occurences

One or More? The Number of Occurrences Under a CGL Policy

November 19, 2019

Insurance Recovery

The Policy and Why This Matters

Self-Insured Retention v. Deductible: What is the Difference, and Why It Can Matter

November 13, 2019

Insurance Recovery

Virtually all insurance policies contain either a “deductible” or a “self-insured retention.” Courts often use those terms interchangeably, but they are different, and the difference can be important.

Providing Timely Notice to Your Insurance Company

January 11, 2017

Alan M. Ruley Allison Buckner Parker

Insurance Recovery

In the wake of an incident, once you’ve identified and located potentially applicable insurance policies, the next step is to provide notice to each of the potentially responsible insurance companies. The notice requirement usually is expressly set forth in the policy. In a commercial general liability (CGL) policy, it usually is in a section that identifies the “Conditions” for coverage. Here is a typical provision:

What You Need to Know about CGL Policies

December 7, 2016

Insurance Recovery

Commercial General Liability insurance—“CGL”—is an important asset for most businesses. It covers things like bodily injury, property damage, and advertising injury to others for which the insured—the policyholder—may be held liable. But for most policyholders, the CGL policy is a poorly understood mystery. You assume that you are completely covered, but in fact there are any number of exclusions, conditions and definitions in the standard CGL policy that may defeat or impair coverage.