article thumbnail

Insurer Says Pollution Exclusion Sinks Coverage for Pool Chemical Injuries

Insurance Journal

A commercial general liability policy with a pollution exclusion does not protect a Virginia homeowners association from lawsuits filed by swimmers alleging they were injured by chemicals discharged into the community pool. That is the argument made by Philadelphia Indemnity …

article thumbnail

New Triple-I Issue Brief Puts the Spotlight on Georgia’s Insurance Affordability Crisis

Triple-I: Homeowners Insurance

Injury claim severity in the state is slightly higher than in the rest of the country. Property damage liability claims per 100 insured vehicles are 15 percent higher, and relative body injury claims frequency is 60 percent higher. The five-year average count for liability claims increased 24.9

Insiders

Sign Up for our Newsletter

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

article thumbnail

How Do You Know What Commercial Insurance Products Your Business May Benefit From?

Paragon Independent Insurance Agencies

It helps cover accidents, repairs, and liability claims, ensuring your business isn’t financially burdened by unexpected incidents. Beyond vehicle coverage, you may also need general liability insurance, which protects against third-party claims for injuries or property damage during business operations.

article thumbnail

Contingent Bodily Injury from Cyber Attacks: What You Need to Know

ProWriters

Contingent bodily injury cyber attacks can cause physical harm, directly or indirectly. One key step is making sure clients have adequate coverage options for bodily injury in their Cyber Liability Insurance policies. Cyber Liability for Bodily Injury: Some Examples How might a cyber incident end up causing bodily harm?

Cyber 52
article thumbnail

Blog Post: April Fool’s-Proof Coverage: Manage Construction Risks Through Commercial General Liability Insurance

LexisNexis

Indemnity and Other Risk Allocation Mechanisms in Commercial Leases Examine common considerations concerning the use of indemnity provisions in a lease as a method to allocate among the parties the risk of claims for injury or damage to third parties related to the leased premises and adjacent areas.

article thumbnail

Restaurant Insurance in Charlotte, North Carolina: A Broker’s Guide

Distinguished

Slip-and-fall incidents: High foot traffic in dining areas and restrooms increases the risk of customer or employee injuries, which can lead to costly liability claims. General liability insurance: Coverage for legal claims related to customer injuries or property damage.

article thumbnail

Protect Your Business: 5 Essential Insurance Policies You Might Be Overlooking

Protect Commercial Insurance

While you may have the basic insurance policies in place, such as property and general liability insurance, there are several other essential insurance policies that you might be overlooking. Additionally, general liability insurance typically does not cover claims related to professional services or cyber incidents.