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It’s Important to List All Insureds – If You Are Trying to Avoid E&O Suits

As ridiculous as it sounds, the entity being sued has to be an insured to garner any protection from the commercial general liability policy.

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Does Additional Insured Status Replace the Need for a Waiver of Subrogation?

Lower tier contractors seem to be fighting back on some contractual insurance requirements – even to the point of making improper claims. One in particular is that making another party…

Business mergers and acquisitions, partnership concept. Two miniature people merging on puzzle. Copy space for text

A Construction Defect Coverage Case Worth Noting

The California Appeals Court recently ruled on the application of the CGL’s j(5) and j(6) exclusion in regard to construction defect cases. This article highlights the key findings in the…

Wooden houses and an easel arrow down. The fall of the real estate market. concept of value or cost decrease. low liquidity and attractiveness. cheap rent. Reduced demand and market stagnation.

The Underwriting Period

Every state and the District of Columbia grants insurance carriers an “underwriting period.” Insurance carriers are granted broad authority to cancel a newly-written policy during this statutorily-limited period.

Insurance Applications: Ambiguities and Lies

An insured’s offer to purchase insurance is made in the form of the application, supposedly completed by the insured. Acceptance flows from the insurance carrier in the form of a…

Confused relationships of people in a couple. Misunderstanding and conflicts in the family.

Credit Freezes and Insurance

Were you affected by the Equifax breach? There is a 1 in 2 chance you were. Even if you weren’t, there are certain steps you can take to fight identity…

The spy gets access to the data. Threat to personal data and secret documents. Industrial and financial espionage. Confidential information leakage. Hacker hacking database. Unauthorized admission

“Leaseback” of a Personally-Owned Auto Done Right

Personally-owned autos belong on a personal auto policy (PAP), but occasionally a commercial insured intentionally or unintentionally includes one or several personally-owned auto(s) on its business auto policy (BAP). Commercial…

car after an accident, after a pedestrian hit

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Commercial General Liability (CGL)

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