The Intelligent Agent
The Intelligent Agent
Built for Commercial Lines

Commercial coverage answers, cited to the form.

ISO CGL forms, carrier appetite, additional insured endorsements, completed-ops triggers - every commercial coverage question, answered with the form number and the page.

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Does the named insured's umbrella drop down for an auto liability claim if the personal auto policy is exhausted?

Yes, on this insured's policy. Your Personal Umbrella endorsement [1] follows form to the underlying Personal Auto liability limits of $250k/$500k/$100k. Once those are exhausted, the umbrella responds up to the $1M aggregate limit.

Coverage is subject to the SIR of $250 for non-underlying claims [2].

[1] Smith_PUP_2024.pdf p.4[2] PAL_Endorsement_22.pdf p.2

The pain we take off your plate.

AI excludes vs CG 21 06 vs CG 22 94

Three different exclusions, three different effects. Stop hunting through endorsement libraries.

Additional insured nuance

Ongoing ops vs completed ops. Privity vs blanket. We cite the form, not a vibe.

Carrier appetite changes weekly

We track the latest appetite guides so you don't bind a risk a carrier no longer wants.

What's in the brain.

Stacked across Commercial Lines - plus your own house knowledge once you upload it.

  • ISO CGL forms (CG 00 01 + endorsements)
  • Carrier appetite by class code and state
  • Completed operations and additional insured analysis
  • Property forms (CP 00 10, CP 10 30, etc.)
  • Workers comp class codes and rates
  • Excess and umbrella follow-form analysis

Try a question.

If a contractor is named additional insured on CG 20 10, are they covered for the contractor's sole negligence in a state that allows it?
Generally no. CG 20 10 04 13 limits additional insured coverage to liability arising out of the named insured's ongoing operations, and most courts have read this to exclude the AI's sole negligence even where state law would permit broader transfer. Compare to CG 20 33 or a manuscript endorsement if broader transfer is intended. [1] ISO CG 20 10 04 13 p.1 [2] Court analysis from your Knowledge Base - Acuity Mut. Ins. Co. v. Burd Constr.

"Cut our renewal prep on commercial accounts in half. CSRs stopped DM'ing producers asking 'what does this exclusion mean.'"

- Independent agency principal, Texas

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From general liability to umbrella, we know your forms.