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
Much has been written about the infamous AB 5 of CA. This is the law that clarifies whether a worker is an independent contractor or an employee, 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
What is an Additional Insured Endorsement? And why do I need it on my business insurance policy? These are very common questions. So common in f
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