Category: General Liability
What Is Happening With My Insurance? The State of the Insurance Market Right Now (CA Edition)
What do you call someone that just got a 40% increase on their home and auto insurance? Lucky! Seriously, these days, it's not a bad deal. How c
Avoid the Prior Works Exclusion
There are few endorsements on a Contractor's General Liability more confusing policy than a Prior Works Exclusion. It is an exclusion of coverage, t
When Farm Liability Insurance Is Not Enough
You are a farm and you are insured, of course. Most likely you're covered properly, but then again, how do you really know? Is your Farm Liability pol
What Does A Commercial General Liability Policy Really Cover Anyway?
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 real
Deductible – Per Occurrence or Per Claim?
One of the most well known insurance concepts is the deductible. They’re easy to understand. Insurance pays above and beyond the deductible.
Insuring A Cave
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
The Nasty Contractors General Liability Endorsements
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
Do I Need A Primary & Non-Contributory Wording Endorsement?
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
What Is Non-Admitted Insurance?
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.
What Is A Prior Works Exclusion?
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
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