Too often treated with nonchalance, this coverage—particularly products liability and “added insured” status—has risen to prominence due to coverage defects or non-insurance conditions in many policies issued to today’s businesses. Because of these conditions, certificates of insurance, for example, are being issued improperly—exacerbating the non-insurance issue. Further, many businesses wrongly believe that all the risks presented by Hold Harmless Agreements are covered by the general liability policy. Nothing could be further from the truth