Last week, I explained that insurance policies have exclusions to eliminate coverage for those things covered by other policies, for things that can’t or shouldn’t be insured and for things that are too costly to insure.   Examples of typical exclusions include war, wear and tear, pollution.  Commercial General Liability (CGL) policies have exclusions for liability arising from autos, watercraft, aircraft and injuries to employees because their are policies that are designed to cover those exposures.  Where more attention needs to be paid to exclusions is where the exclusions are specific to the nature of a business’ operations. Read More→