What’s in a Basic Liability Policy?
February 20, 2025
We often write about many of the policies that expand upon the coverage offered in a basic Commercial General Liability (CGL) policy. But what are the main features of the CGL coverage?
17 Add-on Coverages You May Need to Supplement Your Basic Liability Policy
February 6, 2025
A Commercial General Liability (CGL) policy forms the foundation of a business’s insurance coverage by addressing basic third-party liability risks. However, businesses often face additional exposures that require specialized policies to expand upon the CGL’s protections.
How New Building Codes in Florida, California and Other States Are Saving Lives and Dollars — When Implemented
January 23, 2025
Last spring, the Federal Emergency Management Agency (FEMA) issued a stern warning to southwest Florida communities still reeling from Hurricane Ian’s devastation in 2022.
Rising Costs, Natural Disasters and Politics Strain U.S. Property Insurance Market
January 9, 2025
“Along with the rising cost of living…, property insurance availability and affordability continue to be a challenge across the U.S.,” David A. Sampson, president and CEO of the American Property Casualty Insurance Association (APCIA), told Insurance Journal (November 26, 2024).
How Do Insurance Cases Decided in One State Affect Cases in Other States?
December 19, 2024
Understanding case law as precedent in the U.S. is crucial, particularly regarding insurance coverage. The Massachusetts Appeals Court ruling discussed in our lead article, while specific to Massachusetts, has broader implications due to the common law tradition that we inherited from England.
What’s the Difference between Professional Liability and Errors & Omissions
December 5, 2024
What do an ice sculptor and a real estate agent have in common? Both may need insurance to protect against errors in their services, typically in the form of Errors & Omissions (E&O) coverage.
Reputation: How to Protect a Priceless Asset
November 21, 2024
Many events can damage an organization’s reputation: a financial scandal, a highly publicized discrimination case, a product malfunction, and more.
Court Clarifies Definition of Property Damage in Landmark Construction Defects Case
November 7, 2024
The Massachusetts Appeals Court has held for the first time in any venue that “construction defects, standing alone, do not constitute property damage within the meaning of a commercial general liability policy.”
Climate Change Impacts Commercial Insurance Rates and Regulations
October 24, 2024
Recent headlines have highlighted the impact of climate change on homeowners insurance but commercial insurance lines are also experiencing its effects.
DEI Suit Brought Against Wells Fargo Bank
October 10, 2024
Do D&O Policies Cover Hiring Practices?