William Powers joined a group of friends for an evening of drinking. They hired Ultimate Livery Service to drive them to various bars and clubs. They drank throughout the evening and while they were in the van. The van driver dropped off the friends at various locations with William being one of the last to leave. The location he chose was the bar where he had parked his vehicle. The bar and the subway were closed and William decided to drive.

William struck another vehicle. One person was killed and others were injured, including William and his passengers.

Ultimate Livery was sued. Commerce Insurance Company provided businessowners and automobile coverage for Ultimate but denied coverage under both.

Click here to learn how the court ruled.

One of the major changes in 04 13 edition of the ISO CGL Coverage Form is the liquor liability exclusion. It is amended to exclude coverage in two new specific circumstances:

• When inadequate training or supervision is alleged

• Because the insured either provides or fails to provide transportation

The exclusion continues to apply only to risks in a liquor-related business. However, these restrictions could be very serious, especially if that business’s liquor liability coverage does not respond to these allegations.

Click here to review the revised Liquor Liability exclusion.

Whenever there is a new edition of a coverage form, it is very important to compare the old and new editions and identify gaps in coverage the change(s) create. The current PF&M ISO Commercial General Liability Coverage Form analysis highlights the changes throughout the revised form. Changes are also noted in the article about endorsements.

Click here for an overview of the major changes.

Several ISO coverage forms are changing this year. This means there could be significant opportunities for agents who can identify and solve coverage concerns.

Click here for a letter you might consider sending to both potential clients and current ones.