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
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
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
One of the most well known insurance concepts is the deductible. They’re easy to understand. Insurance pays above and beyond the deductible.
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
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