You're a business owner and you have a Commercial General Liability policy. Why do you have it? What's the point? What does this policy really c
One of the most well known insurance concepts is the deductible. They're easy to understand. Insurance pays above and beyond the deductible. An
Caves have been a part of human existence ever since the beginning. Our Neanderthal ancestors lived in them and drew pictures in them. Today, bomb s
I've written about the Prior Works Exclusion and how it can be a black hole of non-coverage for a contractor. Yes, it's pretty bad. What I want to w
Recently I wrote this blog about the Primary & Non-Contributory Wording Endorsement. It was a nice article, and all true. What I want to tell
If you've ever purchased a policy through a Non-Admitted insurance company, you might remember having to sign that two page form written in ALL CAPS.
Contractors, let this be a warning: don't get a Prior Works Exclusion on your General Liability policy. Why? Because it reduces your coverage to a
Most businesses have people that help move their enterprise forward. They're called employees. Many businesses have a few other people that are k
Have you – a business owner – ever had to get a Primary and Non-Contributory Wording endorsement on your general liability policy? Have you –
Waiver of Subrogation Endorsements are confusing. According to the spell check application editing this content, the word "subrogation" doesn't eve
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