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Articles Posted in Exclusions

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Total Recall: Maximizing the Return on Product Recall/Contamination Insurance

If you believe the news, I may be lucky to make it out of the driveway alive on my morning commute tomorrow. That microwave-ready triple egg breakfast sausage sandwich I stuff into an increasingly jowly face on my way to the car? Recalled. The overpriced technology-assisted car that practically backs…

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A Subcontractor’s Defective Work Is an Occurrence: Weedo Wobbles … and Falls Down

Since 1979, commercial general liability (CGL) insurers have relied on the New Jersey Supreme Court case of Weedo v. Stone-E-Brick, Inc. and its progeny to argue that a subcontractor’s defective work can never qualify as an “occurrence” under a standard form ISO CGL policy. This argument is contrary to both…

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Use Contractor’s Pollution Liability Insurance to Clean Up Potential Gaps in Your CGL Coverage

As we edge further into the summer months, many contractors see an increase in work volume with longer days and universally better weather. That said, Mother Nature is not always predictable, and an unexpected storm can quickly lead to a flash flood, or other natural disaster that might result in…

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Don’t Allow Terrorism Exclusions To Attack Your Coverage

The recent bombings at the Brussels Airport and Maalbeek metro station are another sobering reminder of how much vigilance is needed to protect against these kinds of public health and safety from attacks. They show once again that violence—whether resulting from terrorism or otherwise—can occur any time at any place,…