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Ohio Supreme Court Follows Precedent in Unanimous Decision Which Rules that the Subcontractor Exception to the Property Damage to Your Work Exclusion (ISO CGL Exclusion L.) Does not Apply to Faulty Work.   See the link to the full decision - it’s relatively simple to follow: READ MORE >>

This article from the law firm of Wade Clark Mulcahy is important as it not only discusses an affirmation of coverage for faulty work under a CGL policy but inversely also illustrates why Contractors need to consider augmenting their insurance programs with a properly constituted Contractor’s Professional Liability policy: READ MORE >>

This article assumes that the Claims-Made policy permits such reporting; and, preserves coverage for future post-expiration CLAIMS brought against the Insured arising out of CIRCUMSTANCES that were reported during the active policy period. READ MORE >>

Expanding on our earlier posting from July entitled Site Pollution Policies’ Optional Extended Reporting Periods are not Created Equal, this writing provides more detail on the potential trap doors that exist in the wordings of first tier carrier's Site Pollution coverage forms (AIG ... READ MORE >>

Insurance policies are constructed in reaction to the emerging financial exposures of businesses as underwriters isolate an acceptable portion of risk and structure parameters of coverage. Despite such proactive efforts, conflicts still arise as to the proper insurance vehicle for financial loss recovery. READ MORE >>

PONDER THIS.   Your company or your client has purchased a Site Pollution Liability Policy.  Since coverage is written on a Claims-Made basis, the policy includes an Optional Extended Reporting Provision (OERP) whereby for an additional premium, the insurer will permit reporting of Claims subsequent to the expiration of the active policy term. READ MORE >> READ MORE >>

CONTRACTOR'S PROFESSIONAL LIABILITY INSURANCE This decision succinctly examines a few of the coverage gaps in a CGL policy that can be covered by a properly constituted Contractors' Professional Liability policy. READ MORE >>

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