Tag: Liability Insurance
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
What is AB 5? From the Insurance Perspective
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
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
How To Deal With State Fund If You Must
In California, the State Compensation Insurance Fund aka "State Fund" exists as a market of last resort. That means that if you can't find insurance
Workers Comp: How Do You Classify An Employee That Performs Multiple Duties?
Ah, the mysterious and elusive Workers Comp. It's the simplest of insurance products to understand: it pays for workers who are injured on the job.
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
What Is A Third Party Administrator?
Third Party Administrators. What are they? If you've had a workers comp claim, you might have dealt with one. They are outsourced claims adjuste
Why Is My Workers Comp So Expensive?
Why is my workers comp so expensive? This is one of the most FAQ of all the FAQs. The truth is, there are a lot of factors going into your workers
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
Can Owners & Officers Be Excluded On Workers Comp In California?
Note: if you want to read the updated version for 2017, click here. I frequently get asked the question about who can be excluded on a Workers Comp
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