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Commercial lines
Completed operations
If a contract between a general contractor and a subcontractor contains a hold-harmless agreement that includes “any and all claims” (with no restriction to bodily injury or property damage and no specific reference to products and completed operations), will the subcontractor’s contractual coverage respond to a completed operations claim?
Umbrella drop-down provisions
We have an insured with an umbrella policy for $4 million in coverage, over a $1 million primary policy. If the carrier providing the underlying policy becomes insolvent, would the insured be able to collect on the umbrella policy?
Business interruption from power outage
Because of the storm, my client is without power and will be unable to operate his business until it is restored. Will the business income coverage be applicable to this loss?