The “Advertiser’s Exclusion” Doesn’t Bar Coverage for Advertisers Who Act Beyond Its Scope
A number of insurers issue standard ISO policies that exclude conduct committed by an insured whose business is advertising, broadcasting, publishing or telecasting. This exclusion can be circumvented, however, where the nature of their conduct of an advertiser is not their principal business.
Reach for the Stick: Why Dynamite is Less Dangerous Than "Claims Made & Reported" Policies
Dynamite is inherently risky and should be treated with kid gloves. Nitroglycerin, an element, within the dynamite is susceptible to shock and so must be handled with extreme caution and care. Compared to dynamite, “Claims-Made-and-Reported” policies include a number of traps for the unwary policyholder that if not mindful can result in major losses.