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Below is a listing of the documents that are available. Simply click on the document title to select that documents. The index is updated on a regular basis.
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Commercial liability
The Montrose filing
In response to legal developments, such as the Montrose case in California, ISO revised its commercial policies in 1999 to preclude claims for known losses. 4 pages
Discontinued products and completed operations coverage
Overview of the importance of discontinued products and completed operations coverage and how it impacted one insurance agent personally. 3 pages
Complex exposures created by leases
An extensive review of contractual lease coverage afforded in commercial general liability policies including a sample waiver of subrogation. 5 pages
ISO’s 2019 general liability multistate endorsements
This document offers an overview of the new ISO General Liability multistate endorsements and revised endorsements becoming effective Dec. 1, 2019.
Claims-made vs. occurrence trigger
A comprehensive discussion of claims-made and occurrence policies, including an explanation of retro dates. 4 pages
1995 ISO CGL—defense costs of an indemnitee
Overview of ISO’s 1995 CGL filing that establishes an unequivocal contractual provision for payment of defense costs of an indemnitee, while designating such expenses for an active defense as “supplementary payments,” under appropriate jurisdictions. 3 pages
ISO CGL 1998
A discussion of ISO’s 1998 CGL filing highlighting tenants legal liability; personal and advertising injury; and the pollution exclusion. 4 pages
ISO 2004 CGL—mobile equipment redefined
Outlines the numerous revisions made by Insurance Services Office Inc. in the 2004 Commercial General Liability multistate forms and endorsements filing; provides a brief synopsis of the more substantive changes; and includes an at-a-glance chart. 4 pages
Please don’t slam the door shut
This resource kit discusses the functions of claims-made and reported policies. 2 pages
ISO responds to commercial drone use
Overview of ISO’s commercial drone filing. 2 pages
Advantages and disadvantages of additional insured status
Addresses issues that arise when requesting an additional insured be added to a commercial general liability policy. 3 pages
Incestuous suits
A discussion on the cross liability situations that may arise on a commercial general liability policy. 3 pages
I made it for someone else, but I own the liability
An in-depth discussion on product liability. 3 pages
ISO 2001 CGL forms offer a mixed bag
This resource kit discusses the different forms that have been added to the ISO Commercial General Liability Program. 4 pages
Contractors: five key CGL coverage traps
The document discusses how to find these traps and make sure that your contractor client has the coverage he or she needs. 3 pages
If you build it, design responsibility may come—to haunt
A review of the <i>Harbor v. Omni</i> case and what exposures a contractor may have and how to properly handle those under commercial general liability forms. 3 pages
Business interruption coverage basics
An overview of business interruption coverage and the importance of proper coverage limits to avoid E&O exposures. 2 pages
ISO 2013 GL Program changes are likely to please some producers
This resource kit discusses some of the ISO General Liability program changes that took effect April 1, 2013. 3 pages