Expert Insurance Knowledge
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What Landlords and Tenants Should Know About Improvements and Betterments Coverage
Improvements and Betterments coverage is a type of property insurance for an insured who is leasing space from another. Often, a tenant will lease commercial space from a landlord and require permanently installed fixtures or improvements to carry on operations. The tenant does so at their own expense. When this occurs, the landlord will often […]
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Top 10 Reasons Insureds Don’t Report Claims or Circumstances
By: Kenneth Gorenberg, Barnes & Thornburg LLP In your professional or your personal capacity, you probably have several opportunities to consider whether to report something to an insurance company. In many instances, there would be very little downside and plenty of upside potential if you go ahead and tell the insurer. Here are 10 reasons […]
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Differences in Additional Insured for Ongoing vs. Completed Operations
When things go wrong, all insurance endorsements must be right. If not, additional insured coverage under the named insured’s commercial general liability (CGL) policy can be in doubt. One major pitfall of additional insured endorsements comes from language regarding operations as “ongoing” or “completed.” These two little words make a big difference in how and […]
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Does Tracking My Incoming Certificates of Insurance Really Make a Difference?
The process of tracking and managing certificates of insurance takes time and can be very complex. The amount of resources drained on this task often leaves companies asking, “Does tracking my incoming certificates of insurance really make a difference?” Ask any CFOs, Legal Advisors, or Risk Managers this question and you will find a common […]
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Are You Really an Additional Insured?
An additional insured is a person or organization that is provided insured status under another parties’ insurance policy. It is a common requirement in many contracts where transference of risk is desired. Additional insured status grants protection from risk and liability that may arise out of the named insured’s operations, performance, negligence or conduct. Many […]
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How Do I Know if the Certificates of Insurance I Have on File are Compliant?
Small businesses are the engines that drive much of the economic growth and job creation in the U.S. economy. With so much personal investment, sweat equity, and long work weeks, it’s easy to see why business owners want to protect themselves from risk and liability. If you’ve ever contracted with a third party for anything, […]
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