I’ve been doing this for a long time.  And so have many of you.  But even after all these years, there are some issues that I’ve just never confronted under a commercial general liability policy.  Here are some:

• An insurer makes payment, under a CGL policy’s Supplemental Payments provision, for up to $250 for the cost of a bail bond because of an accident or traffic law violation arising out of the use of a vehicle.

• The coverage determination is tied to the fact that the policy period is 12:01 standard time and not daylight savings time.  [I know that a couple of cases have actually addressed this issue; I’m waiting for my turn.]    

• A tape measure is needed to determine if a watercraft, not owned by the named insured, is less than 26 feet long to satisfy the exception to the watercraft exclusion.

• It must be determined whether the “coverage territory” requirement has been satisfied for purposes of airspace.

• The “insured contract” exception to the contractual liability exclusion is satisfied by an elevator maintenance agreement.

• What would otherwise be “your product” is not so because it is a vending machine.

• An insurer is found to have not waived a right because it made sure to reserve all of its rights -- not just at law, but in equity too.