Painkillers in Workers’ Compensation
On any given day in the United States, perhaps 500,000 injured workers are under treatment for chronic pain; a great majority ingest opioids. There may well be 100,000 injured workers…
VU Resources
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.
Understanding the Difference Between Insurable and Compensable Business Income
Business income coverage is unique because the factors used in calculating the amount of protection the insured is required to purchase differ from the factors used when calculating the amount…
FEMA Flood Disaster Guidelines Every Agent Should Know
The Stafford Disaster Relief Act places specific requirements on entities receiving disaster assistance. Many agents are unaware of the provisions of this Act. Failure to comply can be costly for…
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…
Contractors Professional and Pollution Liability Coverage: A Gap-Filling Necessity!
Contractors’ Professional and Pollution Liability is the contractor’s coverage solution. Often referred to as either the Contractors Pollution and Professional Insurance, the Contractor’s Protective Professional Indemnity coverage, or simply “CPPI,”…
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…
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.
ISO’s 2017 Commercial Property Form Changes
September 1, 2017, ISO introduced six new changes to the commercial property program. As part of this filing, ISO altered the CP 10 30 Cause of Loss – Special Form,…
Extraterritorial/Reciprocity Statutes by State
When employees travel, it’s important to know the extraterritoriality and reciprocity statutes in the state where that employee is working. This reference document will help you do just that.
