Moreover, some commercial general liability policies based on this ISO form, also carries a specific exclusion of trademark and trade name cases. Getting What You Bargained For from the Carrier Insurance coverage law is contract law. This premise dictates special caution when dealing with the insurance companies, and its agents and representatives. Ignorance could indeed be bliss in some cases. Get help if you do not know what you are doing.
Carriers adjust their premiums in part based on historical experience.
Get quotes, ask for sample policies and compare them before you buy. Read Everything Your Carrier Sends You Carriers could, and do, change their coverage forms over time. It is up to the insureds to remain vigilant, and review all riders and notices received from the carrier. Duty to Defend Most policies provide that the carrier also has a duty to defend. The California Courts have generally ruled that the duty to defend is very broad.