Insurance brokers and agents all dread a day they suddenly learn that they did not place a policy, and an uncovered loss has occurred. The silver lining for some is that even if they failed to place the policy, the policy requested would not have provided coverage for the loss.
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Watch Out For Independent Contractor Exclusions In Commercial Liability Policies
Commercial general liability (CGL) policies that contain an exclusion for acts or omissions of independent contractors can cause commercial insureds coverage problems.
