Out of home insurance expert Stuart Lee of Bassler Insurance answers a couple insurance questions today.

Intersection placed a car atop a CTA station as part of an outdoor advertising campaign.  Is this type of campaign covered under an out of home company’s general liability policy?

An exposure like this would be covered on your Out of Home General Liability. There is no exclusion for this kind of thing.  However, if you were orchestrating this event including hiring all contractors involved to mitigate your risks you should have contracts in place with every contractor requiring property limits of Liability, Auto, Umbrella and Workers’ Compensation insurance. As part of your contract you should include an insurance clause requiring every contractor to add your company as an Additional Insured with respect to General Liability coverage on a primary and contributory basis with a Waiver of Subrogation on General Liability and Workers’ Compensation on behalf of your company,

What have you been hearing about the impact of hurricane Dorian on out of home companies?

At this point in time it has been very quiet and I have many clients on the east cost from Florida all the way up to downtown New  York City.

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