Ok this is funny but it isn't a joke. A prospect started a service providing "blessing" services to people. She will go around blessing houses, weddings, retirement parties etc. She will need GL to get onto the grounds of fairs (psychic fairs) etc. Sounds simple enough so far but one of her concerns is being sued from someone alleging that her blessing causes injury (like "you blessed me wrong" and I got in this car accident or whatever). She received an inheritance and so this is the business she always wanted to start.
Is the latter part insurable?
Here's one you don't see everyday - only in CA
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Re: Here's one you don't see everyday - only in CA
Is it really a blessing if you have to pay for it?
Guess nothing is done out of the good of our hearts anymore.
Guess nothing is done out of the good of our hearts anymore.
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St.CaptiveGuy
- Insurance Journal Enthusiast
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Re: Here's one you don't see everyday - only in CA
She can probably get the CGL from any surplus lines market.
The "blessing gone wrong" factor would be addressed by a proper ISO Blessing Errors & Omissions form.
Good luck on that part!
The "blessing gone wrong" factor would be addressed by a proper ISO Blessing Errors & Omissions form.
Good luck on that part!
Re: Here's one you don't see everyday - only in CA
I would think that physical injury caused by the blessing (holy water in the eye, hitting the person being blessed, 3rd party damage from the car they are driving onto the fair, etc.) would be coverable, but that alleged damages due to the efficacy (or lack of) would not be coverable.
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Shagster12
- Insurance Journal Addict
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Re: Here's one you don't see everyday - only in CA
Ok here's my take.
The GL should be easy with the Products/Ops excluded...
The 'blessing gone wrong' would have to be covered under seperate Misc. Professional Liability.
This will be more difficult but I'm sure someone out there will do it "for the right price".
And since there is no real identifiable way to measure the actual success or failure of the 'Blessing' it might well cost a pretty penny, once an underwriter considers the implications of the risk they're taking on.
Good Luck with that, I don't think I'd touch it!
Shagster
The GL should be easy with the Products/Ops excluded...
The 'blessing gone wrong' would have to be covered under seperate Misc. Professional Liability.
This will be more difficult but I'm sure someone out there will do it "for the right price".
And since there is no real identifiable way to measure the actual success or failure of the 'Blessing' it might well cost a pretty penny, once an underwriter considers the implications of the risk they're taking on.
Good Luck with that, I don't think I'd touch it!
Shagster