The dispute turns on one clause. Cincinnati relies on an endorsement it calls the “Insurance and Related Operations” exclusion, which it says removes coverage for bodily injury “for which the insured may be held liable” that results from “the rendering of or failure to render” certain professional services. As quoted in the policy, those services include “advising, inspecting, reporting or making recommendations in the insured’s capacity as an insurance company, consultant, broker, agent or representative thereof,” and “performing any claim, investigative, adjustment, engineering, inspection, consulting, survey, audit, appraisal, actuarial or data processing service for a fee.”
Cincinnati Insurance points to one exclusion to avoid $13 million fall claim
