General Liability Endorsement - Beneficiary above all other coverages?
One of my insureds is a General Contractor and has a GL policy (Harleysville) which excludes work within 50 of a railroad. Since he bid on a job within 50 feet we had to get him a project specific GL policy (Mt. Hawley) which covers work within 50 feet. So the insured is worried about a claim arrising and that Mt. Hawley would try to find everyway out and to try to find another insurance policy to attack. He is convinced that Mt. Hawley will wind up saying that Harleysville policy should react to this claim. After him researching he said that there is an endorsement out there that states something like this. "Beneficiary above all other coverages" My question is has anyone ever seen this?? If yes please let me know what the form is and if not, please let me know if there are any other endorsements that would protect him from this type of exposure. Thank you
Asked By: Rob1212 - 11/5/2008
Best Answer - Chosen by Asker
I think what you insureds is saying is that he wants Harleysville to be added as an additional insured to their liability coverage on a primary and non-contributory basis. This means that Harleysville's policy would be excess to your client's policy. Speak to your underwriter, they should be well aware of this clause... More
Answered By: Gambit - 11/5/2008
Additional Answers (1)
I haven't, in 22 years in the business... More
Answered By: Insurance Geek-ette - 11/5/2008
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