North Pointe issued this policy relying on ISO standard forms. The main section of the policy is identified as CG-00-001-12-04 under a 2003 copyright. The critical endorsement, entitled “Exclusion of Injury to Employees, Contractors and Employees of Contractors,” is identified as NP-08-16-02-06. I have considered this policy language is several coverage matters and have been of the opinion that the Florida courts would find this clause ambiguous. Unfortunately, I have been proven correct.
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