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CGL Commercial General Liability

Why General Liability Isn’t Enough: The Importance of Professional Liability Insurance for Contractors

Why General Liability Coverage Alone Isn’t Enough When it comes to construction projects, General Liability insurance is essential but not always sufficient. General Liability typically covers third-party bodily injury and property damage claims resulting from faulty workmanship, but it doesn’t cover the costs to repair or replace the defective work or products. This is where Professional Liability insurance comes into play.  Professional Liability, also known as Errors & Omissions (E&O) insurance, can cover these costs, including situations where faulty workmanship causes only financial losses without any physical damage. For most construction claims, which often involve bodily injury or property damage,… Read More »Why General Liability Isn’t Enough: The Importance of Professional Liability Insurance for Contractors

What is DOL: Defense Outside of Limits in Business Insurance

“Defense outside the limits” is a term used in insurance that refers to the coverage provided by the insurer for expenses incurred by the insured in defending against a claim, even if the claim is ultimately found to be outside the scope of the policy. While “defense outside the limits” coverage is not required by law, it is often included in business liability policies as an added layer of protection for the insured.

Additional Insured Form Comparison

See revised and updated version of this post here: https://www.paperless-insurance.com/additional-insured-form-comparison-2/ – revised on August 12, 2024. CG 20 10 (Edition 11/85): Ties Additional Insured status to liability arising out of “your work” – i.e., the named insured’s work – for the additional insured. Applying the coverage to “your work: encompasses liability incurred while the named insured’s work is in progress and also the named insured’s completed operations. Addresses a coverage requirement that is frequently imposed by project owners on contractors doing work for them – “the contractor will provide the owner with additional insured status for claims against the owner arising out of… Read More »Additional Insured Form Comparison

Protecting Against Slips, Trips and Falls During Winter

While slip, trip and fall hazards are present year-round, there is an increased potential for them in the winter months due to snow and ice. As a property owner or manager, you must make a reasonable effort to reduce the potential for injury to your guests, employees and patrons. Any business that has people visiting its facility (e.g., hotels, apartments, manufacturing firms, shopping centers, supermarkets, office complexes) can be susceptible to this hazard and the associated liabilities. The first line of defense against slip, trip and fall incidents includes having a well-planned strategy and implementing a snow and ice removal… Read More »Protecting Against Slips, Trips and Falls During Winter

Do I Need Liability Insurance for My Business If Customers Sign a Waiver?

This original post was published on 6/29/2021 and fully updated on 3/5/2024. Many business owners ask themselves do I need liability insurance for my business if my customers sign a waiver, and the answer is yes. A waiver or release form is a contract designed to shift liability away from the business with the consent of the customer. Waivers are meant to significantly alter the legal landscape from a place where the business is responsible for a place where responsibility lies more with the customer. However, if a customer makes a liability claim, release forms may not always be enforced.… Read More »Do I Need Liability Insurance for My Business If Customers Sign a Waiver?

Insurance for Manufacturers – 4 Common Claims

There are hundreds of thousand of small, medium and large manufacturing facilities operating in the United States today, and each one of them faces unique risks and challenges due to the complex process of making stuff. Business Owners Insurance Can Help Protect Against Common Problems 1) Equipment Failure Due to the nature of manufacturing, the risk posed by equipment breakdown can be grave. Because of the high pressures that can build up throughout the fermentation process, storage tanks and vats can break down or even explode if not properly maintained. Small-scale facilities will rarely have backup equipment at the ready in the… Read More »Insurance for Manufacturers – 4 Common Claims

Truck Brokers’ Contingent Liability

Designed to protect truck brokers in the event one of their contracted truckers has a coverage issue. Truck and freight brokerage operations need coverage for the exposures presented when their clients’ policies fail to respond. Our Truck Broker Contingent Liability product helps to service this segment of the industry. Coverages Contingent auto Contingent cargo E&O General liability Limits Truck Brokers Up to $5,000,000 – Contingent Auto, GL, Professional (E&O) Up to $250,000 – Contingent Cargo Truck Leasing $1,000,000 – Contingent Auto $100,000 – Off-Lease Physical Damage Availability National Requirements Contingent Brokerage Application: https://paperless-insurance.com/insurance-application/ Sample Broker Carrier Agreement List of Motor Carriers… Read More »Truck Brokers’ Contingent Liability

Outdoor Dining Structures Could Put Restaurants at Risk

Hashiri/Facebook A brewery in Michigan recently opened several “craft beer shanties” where customers can be served outside while indoor dining is temporarily restricted statewide. The owner of Brass Ring Brewing in Alger Heights reportedly modeled the enclosed wooden structures after ice fishing shanties and said they can be reserved in 90-minute blocks by groups of four, as long as the guests are from the same household. The restaurant is one of many establishments in the U.S. and Canada building temporary outdoor dining structures in an effort to keep business flowing amid surging COVID-19 cases, new restrictions on indoor dining, and cooling temperatures. The options… Read More »Outdoor Dining Structures Could Put Restaurants at Risk

Learning Pods – Insurance Risks explained

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As parents across the U.S. and Canada grapple with their children’s return to school amid a pandemic, “learning pods” have emerged as a potential solution to meeting kids’ academic and social needs while minimizing contact with large groups.

Two mothers in Delaware County, Ohio recently launched Web Student Services, LLC, a learning pod startup that pairs certified teachers with limited groups, or “pods” of students to facilitate an at-home school curriculum on public grounds. The company has already enrolled more than 70 families, most of whom pay about $90 per week.

Other parents are organizing learning pods with neighbors and hiring tutors or nannies to support their children’s online learning at different homes each week. Others are enrolling in commercial programs, either at existing child care or tutoring centers or other facilities—like fitness centers—that have reconfigured their traditional model to offer child care and learning support services for school-aged children.

Despite widespread need and the potential for revenue these new ventures are not without risk.Read More »Learning Pods – Insurance Risks explained

Coronavirus – Does Your Insurance Cover You?

The disruption to business and everyday life caused by the coronavirus (COVID-19) pandemic is resulting in an economic impact for every business. With hourly announcements from health agencies calling for social distancing, school closings, business restrictions, and event cancellations, current news reports indicate the crisis will get worse before it gets better. Much of this disruption is likely not covered by insurance.

The two most asked questions we’ve received over the past two weeks have been:

– Where can I buy coverage for the COVID-19 viral pandemic?
– Does my insurance have coverage under my current policy?

We have consulted with specialists across the Property, Casualty and Professional Lines sectors and offer the following COVID-19 update. Please note this is not an interpretation of any policy language and we recommend that you inquire with counsel for specific interpretation and advice on your particular insurance policy.Read More »Coronavirus – Does Your Insurance Cover You?