Back to Basics – What is Legal Liability?
What does it mean when an adjuster reports that your insured is not “legally liable,” so the carrier will deny the claim. This article explains the basics of legal liability…
Commercial Lines
Workers Compensation Rates Still Stable Despite COVID-19
A recent Rough Notes article, “Workers Compensation: An Oasis in a Dry Desert: An Island in Stormy Seas,” finds that despite COVID concerns, the workers compensation market is still stable.…
Back to Basics – What’s New in Premises Liability Exposures?
Recent settlements and jury verdicts against property owners and managers hit with premises liability claims continue to climb. Whether your clients own a tavern, a manufacturing plant, manage apartment complexes,…
Back to Basics – Insurers Increasingly Imposing Warranties and Safeguards on Commercial Property Policies
An interesting post on LinkedIn by risk management consultant Jack Schwartz, managing director at Davis + Gilbert Risk Management, caught my attention. The issue, according to Schwartz is that insurers…
Professional Liability Exclusions Can Create Uncovered Claims Under Commercial General Liability Policies
The Coronavirus created many growth opportunities for today’s commercial and residential contractors. Now is the time for agents to query their contracting clients to ensure their clients have made no…
Listing Your Insured’s “Doing Business As” (DBA) May Have Unintended Consequences
If you incorrectly name your insured on any policy, your insured may find he or she does not have coverage. After a loss is the worst time to learn that…
Nuclear Verdict in Healthcare Will Raise Concerns for Healthcare Insurers
A missed healthcare diagnosis resulted in a whopping $111 million verdict in Minnesota, according to a recent Burns & Wilcox article. Read on to learn more.
The Coming and Going Rule in Workers’ Compensation Claims
The coming-and-going rule in workers’ compensation claims management can determine whether an adjuster or administrative law judge finds an injury compensable. Because each state drafts its own workers’ compensation laws,…
DBAs: Back Again, With a Not Necessarily Surprising Decision
Massachusetts highest court refuses to expand coverage beyond “DBA” in named insured, resulting in no coverage for $14m consent judgment in April 2022. Read on to learn more.
DBAs: Back Again, With a Not Necessarily Surprising Decision
Massachusetts highest court refuses to expand coverage beyond “DBA” in named insured, resulting in no coverage for $14m consent judgment in April 2022. Read on to learn more.
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