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The War Exclusion to the CGL Policy

Standard comprehensive general liability (CGL) policies insure businesses against liability for personal injury or property damage of third parties. The policies contain a number of exclusions from coverage. Insurance needs and...

Third-Party Insurance

An insured may submit a claim to his insurer to recover under two different categories of insurance. The categories are based on whom the insurer is required to pay. If the insurer is required to pay the insured for his direct loss, the insurance...

Policy Construction Supporting Coverage

An insurance policy may contain provisions that state when coverage will be forfeited or which perils are excluded from coverage. Such provisions may be valid and enforceable, if unambiguous.

Forfeiture...

Unconscionability
An insurance policy, like every other type of contract, imposes upon each party an implied duty of good faith and fair dealing in its performance and its enforcement. This duty requires the insurer and the insured to perform so as not to impair...

Purchasing Groups
The Liability Risk Retention Act of 1986 provides for the formation of purchasing groups to buy insurance. Such groups must be made up of members or companies with similar risk exposure due to their involvement in similar businesses. The groups...