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CGL Commercial General Liability

Additional Insured Form Comparison

Updated as of August 12, 2024 CG 20 10 (Edition 11/85) CG 20 10 (Edition 10/01) CG 20 37 (Edition 10/01) CG 20 10 (Edition 07/04) CG 20 37 (Edition 07/04) CG 20 10 (Edition 04/13) CG 20 37 (Edition 04/13) CG 20 33 (Edition 04/13) CG 20 38 (Edition 04/13) Note This summary is for convenience only and does not attempt to capture all aspects of the various forms noted. Refer to the endorsements themselves for complete wording. Any review of contractual requirements and compliance should only be done with the assistance of a qualified attorney.

Nursing Home Liability

With ample capacity in a nursing home and long-term care liability insurance, competition remains strong among carriers. However, clouds have been gathering on the horizon, with the convergence of three separate events threatening to create a perfect storm in the marketplace.

Increasing Claims

Claim frequency and severity has been climbing for the past several years, with nursing home litigation being one of the fastest-growing areas of health care litigation. In a recently published report on an actuarial analysis of the long-term care sector, it was stated that long-term care frequency is increasing by 5% annually.

Severity is a concern as well. Consider a few mega-claims in the past few years:Read More »Nursing Home Liability

Creating a Safety and Wellness Culture in Your Company

Creating-a-Safety-and-Wellness-Culture-in-Your-CompanyBeyond attracting and hiring qualified job candidates and onboarding and training staff into an organization, there are many steps that employers can take to promote both safety and the continued wellness and productivity of their workforce. A process to support and engage your workforce that focuses on safety and wellness can help employees adopt a healthier lifestyle, both at home and at the workplace.

Employers have long recognized the importance of programs to retain talented and experienced employees. Increasingly, employers are also adding workplace wellness programs as a tool to help promote their employees’ overall wellness.1

According to the 2015 Travelers Business Risk Index, 60% of U.S. businesses worry about medical cost inflation. Given that the average worker can spend up to half of their waking hours on the job, employers are recognizing the role they can play in promoting the health and wellness of their employees, including helping them prevent or manage some chronic health conditions.Read More »Creating a Safety and Wellness Culture in Your Company