August 2022

August 2022 • Florida Pool Prosm 17 INSURANCE UPDATE not be involved simply for that reason (no alleged claim occurred). Let’s say, however, that you drift outside of the license’s permissions and potentially do cause a general liability claim. Meaning that during the course of your operations someone gets injured (other than an employee or subcontractor), or someone’s property is damaged (remember, GL specifically covers Bodily Injury & Property Damage). Here, too, if the local jurisdiction becomes aware you can get in trouble but how about your general liability insurance? How will it respond? Will the carrier defend and indemnify you or deny the claim? It’s a relatively easy answer. The answer is that, subject to the application of coverage forms to the incident and acceptance by the carrier, this is a covered claim by your insurance. Aga i n , t here ’ s no sec t i on , paragraph, or sentence (no reference of any kind) in the standard general liability policy forms used by admitted carriers with regards to restricting insurance to the permissions granted by a business or contractor license. So, as long as we mentioned it, what’s an admitted carrier and how can you tell if yours is? Well, first the major carriers such as Liberty Mutual, CNA, Nationwide, Allstate, Precision Control & BECS Controller Line • Reliable, 30 Year Track Record • All Items in Stock for Immediate Shipment • In-Field Service & Repair by Factory Techs • Leaders in Remote Control & Communication • ORP & Direct Reading PPM • Control Systems at Every Price Level Commercial Energy Specialists Excellence inWater Quality Control Since 1983 FL/Carribean Master Distributor/Service Center 800-940-1557