To be fair, a few were very professional in their responses, which allows for open discussion and debate.Īs I read the responses sent by those most vehemently opposed to the article’s suggestion, it quickly became clear that they were blinded by anger, accusing me of all kinds of ills. A few acted as if I had kicked their dog or called their kid ugly – it was very entertaining. The most “passionate” were those who felt I threatened their way of life (and the advice they give clients). These posts and emails were on both sides of the issue – for and against the requirement. Readers went crazy, both in the site’s comments section and in personal emails to me. I followed that article with a piece stating that the insurance industry should band together to (the lower tier contractor). Several weeks ago I released an article questioning the need for the “” (PNC) requirement found in most construction contracts. If Premier Properties is sued for $1.2 million due to an accident that occurred at the restaurant, the diner's umbrella insurer may refuse to pay any portion of the damages until all available primary liability insurance (including Premier's own liability coverage) has been exhausted. It does not automatically follow the Other Insurance provisions in the primary policy, including provisions amended by Primary and Noncontributory endorsement. An umbrella policy includes its own Other Insurance clause. The answer is likely no unless the umbrella also includes a Primary and Noncontributory endorsement. In addition, Premier doesn't want its own policy to contribute to any loss (pay any damages) that result from such claims. Premier wants to ensure that any suits against it that arise of out accidents that occur at the restaurant will be covered under the diner's liability policy. It doesn't want its policy limits used to pay claims that arise out of the restaurant's operations. Premier has purchased a liability policy to protect itself against claims stemming from negligence it commits in the course of its property ownership business. (d) Additional Insured - Primary and Non-Contributory – by Contract. Shown as a Named Insured in the Declarations or added by endorsement hereon. Radioactive isotopes, away from a nuclear facility, which have reached the final stage of. 'property damage' to which this insurance does not apply. Or used for (1) separating the isotopes of uranium or plutonium, (2) processing. Nuclear Energy Liability Exclusion Endorsement (Broad Form). PRIMARY AND NONCONTRIBUTORY - OTHER INSURANCE CONDITION.
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