Occurrence vs Claims Made – Comparing Two Policy Types

Have you ever had a claim denied for reasons that seem to make no sense? Did the experience make you feel like the purpose of the insurance industry’s business model is to create a policy that finds a way to not pay claims?

Avoid the Prior Works Exclusion

There are few endorsements on a Contractor’s General Liability […]

When Farm Liability Insurance Is Not Enough

You are a farm and you are insured, of […]

What Does A Commercial General Liability Policy Really Cover Anyway?

You’re a business owner and you have a Commercial […]

Deductible – Per Occurrence or Per Claim?

One of the most well known insurance concepts is the […]

Insuring A Cave

Caves have been a part of human existence ever […]

The Nasty Contractors General Liability Endorsements

I’ve written about the Prior Works Exclusion and how […]

Do I Need A Primary & Non-Contributory Wording Endorsement?

Recently I wrote this blog about the Primary & Non-Contributory […]

What Is Non-Admitted Insurance?

If you’ve ever purchased a policy through a Non-Admitted […]