ISO COMMERCIAL GENERAL LIABILITY COVERAGE FORMS EXPOSURE ANALYSIS CHECKLIST

(April 2019)

INTRODUCTION

This checklist is designed to assist in beginning the analysis of the Insurance Services Office (ISO) Commercial General Liability Coverage Forms. This is only a starting point and additional risk specific questions may arise as the exposures are developed. This analysis should be combined with exposure analysis checklists for other coverages to develop a complete picture of the insured’s operations.

This checklist is designed to supplement the ACORD application.

ISO Commercial General Liability Coverage Forms ACORD Forms Considerations

ISO Commercial General Liability Coverage Forms Available Endorsements and Their Uses

ISO Commercial General Liability Coverage Forms Endorsements Checklist

GENERAL INFORMATION

Legal business name(s)

____________________________________________________________________________________

Mailing address:

____________________________________________________________________________________

Type of entity:

___ Individual	___ Corporation	___ Sub-S Corp.
___ Partnership	___ Joint Venture
___ Not-for-profit	___ Limited Liability Company

SIC Code(s): _________________________________________________________________________

NAICS Code(s): _______________________________________________________________________

Federal ID Number: ____________________________

When did the applicant start business operations? ___________________________________________

When did the present management assume control? _________________________________________

How many years experience does the owner have in this type of business? _______________________

How many years experience does the manager have in this type of business? _____________________

Has the applicant ever been involved in a bankruptcy procedure? ___ Yes ___ No

If yes, explain including the type of bankruptcy, the filing date, and the resolution.____________________________________________________________________________________

____________________________________________________________________________________

Names of subsidiary companies or joint ventures that are not part of this application:

____________________________________________________________________________________

Important People	Name	Phone Number
Owner/Principal:	____________________________	______________
Other Decision Makers:	____________________________	______________
Plant and Grounds:	____________________________	______________
Financial:	____________________________	______________
Legal:	____________________________	______________
Claims:	____________________________	______________

The applicant’s primary operations are:

____________________________________________________________________________________

The applicant’s secondary and/or incidental operations are:

____________________________________________________________________________________

The applicant used to be involved in the following operations, but they have been discontinued:

____________________________________________________________________________________

The hours of operations are: _____________________________________________________________

How many days per week is the applicant open? ___

Is this a seasonal operation? ___ Yes ___ No

If yes, what is the season? From _____________ to _____________

Does the applicant have a safety program? ___ Yes ___ No

If yes, answer the following:

Name of safety director: _________________________________________________________

Safety director phone number: __________________________________________________

Safety director email address: ______________________________________________________

Attach a copy of the safety program.

Does the applicant have a disaster plan? ___ Yes ___ No

If yes, answer the following:

Name of disaster coordinator: ____________________________________________________

Disaster coordinator phone number: ______________________________________________

Disaster coordinator email address: __________________________________________________

Attach a copy of the disaster plan.

ON PREMISES EXPOSURES

Describe the applicant’s on-premises operations.

____________________________________________________________________________________

Describe how the applicant disposes of waste.

____________________________________________________________________________________

Does the facility comply with the National Fire Protection Association's (NFPA) Life Safety Code concerning the number, size, and arrangement of exits? ___ Yes ___ No

If no, explain.

____________________________________________________________________________________

Are employees instructed in proper evacuation procedures? ___ Yes ___ No

Does management conduct regular fire drills? ___ Yes ___ No

Are large panes of glass, both inside and outside, properly marked or etched to prevent accidental contact?
___ Yes ___ No

Does the applicant own, jointly own, hire or lease any watercraft or aircraft? ___ Yes ___ No

Does the applicant provide any child or adult care on premises? ___ Yes ___ No

Is food handled on premises? ___ Yes ___ No

If yes, answer the following:

Are food handlers required to use proper hygiene? ___ Yes ___ No

Has the Board of Health cited the establishment? ___ Yes ___ No

If yes, explain:

_________________________________________________________________________________

Does the applicant store cleaning materials in a separate area at a distance from the food storage area?
___ Yes ___ No

PARKING LOTS AND SIDEWALKS

Does the applicant own or rent parking facilities that are available for customers, employees, and/or the general public? ___ Yes ___ No

If yes, answer the following:

Does the applicant charge a fee? ___ Yes ___ No

Does the applicant hire a towing company to remove vehicles parked on the premises without permission?
___ Yes ___ No

If yes, attach a copy of the contractual agreement, if any, with the towing company.

Does the applicant require a certificate of insurance from any towing company that provides services on the premises? ___ Yes ___ No

Describe the parking facility (ies).

Length	Width	Number of stories	Number of spaces	Attendant (Y/N)	Proximity to applicant’s premises

Has the applicant made arrangements to remove snow and ice from the parking facility(ies) and walkways?
___ Yes ___ No

OFF-PREMISES

Do applicant employees interact on a regular basis with customers off-premises? ___ Yes ___ No

If yes, answer the following:

Describe the clientele by percentage.

___% Residential ___% Commercial ___% Institutional ___% Public

Do employees travel alone? ___ Yes ___ No

Are employees subject to criminal background checks? ___ Yes ___ No

Describe the procedure to train, monitor, and supervise all such off-premises employees.

_________________________________________________________________________________

CONTRACTUAL EXPOSURES

Does the applicant lease the premises? ___ Yes ___ No

If yes, answer the following:

Does the lease include a written waiver-of-rights provision for damage to property? ___ Yes ___ No

Does the lease include a written waiver of subrogation? ___ Yes ___ No

Does the lease include a written hold harmless agreement? ___ Yes ___ No

Does the lease clearly delineate maintenance responsibilities? ___ Yes ___ No

Indicate under which of the following agreements the applicant has assumed liability of others:

_____ Lease agreements for real estate	_____ Lease agreements for signs, refrigerators, etc.
_____ Sidetrack agreements	_____ Contracts for electric power, steam, etc.
_____ Easement agreements	_____ Elevator maintenance
_____ Other contracts such as construction, installation, compliance certificates, etc.

Attach a copy of each contract and/or agreement indicated above.

Is the applicant’s insurance policy required to be primary under any of the indicated contracts? ___ Yes ___ No

SUBCONTRACTORS

Does the applicant regularly use subcontractors? ___ Yes ___ No

If yes, answer the following:

Describe the type of work the subcontractors perform.

_________________________________________________________________________________

Describe procedures used to monitor timely receipt of certificates of insurance from subcontractors.

_________________________________________________________________________________

Does the applicant have a written contract with each subcontractor? ___ Yes ___ No

If yes, attach a copy of each contract.

If no, describe the terms and agreements between the applicant and the subcontractor.

_________________________________________________________________________________

What are the subcontractor’s required insurance limits? _____________________________________

PERSONAL AND ADVERTISING INJURY EXPOSURES

Does the applicant advertise its products, goods or services? ___ Yes ___ No

If yes, what media does the applicant use and what is that medium’s percentage of the overall advertising budget?

___% Television	___% Direct mail	___% Radio
___% Signs	___% Newspaper	___% Yellow Pages
___% Magazine	___% Internet	___% Other

Describe other.

____________________________________________________________________________________

Does the applicant have a web page? ___ Yes ___ No

Does the applicant use an advertising firm and/or outside web designer? ___ Yes ___ No

PRODUCTS

Describe all the applicant’s products or services.

____________________________________________________________________________________

If the product is a component part, describe the items of which it might become a part.

____________________________________________________________________________________

If the product or service is defective or used improperly, describe the possible damage that could occur.

____________________________________________________________________________________

LIQUOR

Does the applicant ever serve, sell or furnish alcoholic beverages to employees, customers
or general public? ___ Yes ___ No

If yes, is the applicant in the business of selling, distributing, or serving liquor? ___ Yes ___ No

If no, what precautions does the applicant take to prevent guests from driving after they are intoxicated? ____________________________________________________________________________________

____________________________________________________________________________________

OTHER PROFESSIONAL SERVICES

Is there any exposure for professional services performed by the applicant’s own personnel or through the use of subcontractors (i.e., beauty/barber shops, accounting, notary public, druggists, data processing, etc.)?
___ Yes ___ No