Beyond General Liability: How to Spot Contractors’ Hidden Design Risk
Design responsibility is a growing area of risk that general liability simply wasn’t designed to cover, and it’s starting to catch more contractors off guard.
Technical Knowledge
Help Businesses Navigate Tighter Liability Terms and Evolving Risks
Agents can succeed in the general liability market by developing deep expertise, staying ahead of renewals, setting clear expectations and positioning themselves as trusted advisors.
Advising Clients in a Rapidly Evolving General Liability Market
In an increasingly complex risk landscape, the commercial general liability insurance market is experiencing significant change, marked by tighter coverage terms and a growing number of exclusions.
Prepare Summer Camps for Injury Risks
Risk managers for private and school-sponsored summer camps need to understand the risks they face and take appropriate measures to prepare for and protect against accidents that can threaten camp patrons, employees and the business.
Including an HOA as Additional Insured on Contractors’ CGL
An agency insures several contractors that do work for unit owners within a homeowners association (HOA). The HOA asked to be an additional insured on these contractors’ policies. Without incurring a large expense by scheduling the HOA as each job arises, what is the best way to endorse the contractors’ policies to include the HOA…
Slips, Trips and Falls: Mitigating Premises Liability Claims
By instructing clients on four proactive safety procedures, insurance agents have the unique opportunity to help their clients prevent a liability claim from ever occurring and to defend against claims that are made.
Discontinued Product Liability and Occurrence CGLs
A manufacturer sold a division of the business. Is discontinued products liability necessary, or will the ongoing CGL cover the liability for the products manufactured and sold before the sale?
Does a BAP Cover Loading and Unloading?
A packing and crating company occasionally moves specialty items. Does its business auto policy exclude property damage to others in the process of loading or unloading?
How to Handle Demands to Add Language to a COI
An agency provides a general liability policy for a local religious fraternity. Another insurer is requesting the certificate of insurance (COI) and demanding that it be added as an additional insured on the COI.
Products-Completed Operations Coverage for a Closed Business
A project is requiring a contractor to maintain insurance coverage through the next 10 years. What policy would grant coverage if the business closes during that time?
