Burl Daniel
CPCU, CIC, CRM

Commercial General Liability Insurance

The broad scope of coverage found in Commercial General Liability insurance is often difficult to comprehend whether you are an attorney or business owner/manager. “General” implies blanket-type coverage when contrasted with more specific policies such as Auto Liability, Workers Compensation, or Director and Officer insurance.

We can help you analyze Commercial General Liability for your company or in the context of your litigation issues. The complexity of this coverage requires coordination with Auto Liability, Workers Compensation , Pollution Liability and Umbrella Liability Insurance . We bring years of field experience facilitating these coverage coordination issues.

Our expertise in Commercial General Liability includes:

Coverage coordination with:
Contractual liability issues
Third party action over
Product (and Completed Operations) Liability
Hold harmless and indemnity agreements
Professional Error and Omission exclusions

Pollution Liability exclusions
Occurrence vs. Claim made forms
Defense Cost inside/outside limits
General and Artisan Contractors
Pharmaceutical Products Liability
Wrap Ups / OCIP / CCIP
Classification issues
Premium Audits

Commercial General Liability Expert Witness Cases

Cases are listed only after we are disclosed as an Insurance Expert to opposing counsel.

September 2007 - Retained by plaintiff counsel to provide analysis regarding Agent Errors & Omissions & Risk Manager Standard of Care. Litigation resulted after denial of a large "Construction Defect (Contractors Rework/Rip & Tear)" claim under an OCIP (Owner Controlled Insurance Program). Claim was denied under Commercial General Liability and Commercial Umbrella Insurance. Roy Anderson Corporation v. Sawyer-Foster Insurance, et al; Circuit Court Harrison County Mississippi, First Judicial District, Case No. A2401-07-215. Attorneys Paul T. Benton & Tricia Beale (228) 432-0305.

February 2007 – Defense counsel engagement regarding alleged Bad Faith placement of a loss sensitive insurance program and carrier’s claim reserve methodology. Case required expertise in Commercial General Liability, Workers Compensation, Agent Errors & Omissions. Case involved Attorneys Leland de la Garza and David Tabor - Shackelford, Melton & McKinley, LLP (214) 780-1400 Lauren Engineers and Contractors, Inc. v. Hilb Rogal, and St. Paul Insurance , 104th District Court, Taylor County, TX, Cause # 23376-B

September 2006 - Retained by defendant to offer opinions regarding premium basis used for a disputed Commercial General Liability audit. Attorneys Matt Nowak and Brandon Starling – Nowak & Stauch, LLP Dallas, TX (214) 823-2006. Everest Indemnity Insurance Company v. Ranger Fire, Inc.; Cause #01721104805 17th District Court, Tarrant County, TX

February 2006 - Retained by defense counsel for insurance carrier. Case involved Agent Errors & Omissions as to timely reporting claims for General Liability Insurance and Professional Liability Insurance where both policies were issued by the same carrier. Attorney Carol Keough - Coats Rose Yale Ryman Lee (713) 653-7372; REO vs. Zurich American Insurance Co., RN Jones Agency, Inc. & Sidney Brown Cause No. C-1739-01-CA (Severed cause).

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Burl Daniel, CPCU, CIC, CRM | 817.980.4897 | burldaniel@prodigy.net