Monthly Archives: March 2013

POLLUTION IS NOT COVERED – AND WE (MAYBE) MEAN IT THIS TIME!

Posted in Commercial General Liability (CGL), Environmental pollution coverage, Pollution exclusion

♣WE ARE GREEN TODAY FOR ST. PATRICK’S DAY!♣      We can fairly sum up the history of pollution insurance coverage with one word: confusion.  This is because underwriters and ISO forms have made it pretty clear that almost all pollution and environmental losses are not … Continue reading






3 STEPS TO RAILROAD RISK TRANSFERENCE

Posted in Additional insured coverage, Indemnity clauses, Insurance contract, Railroad endorsement, Railroad indemnity, Railroad protective insurance coverage, Risk transference

There are three essential steps to railroad risk transference through insurance: 1.     Add an indemnity clause to all contracts making clear that you are asking for indemnity for the contractor’s or vendor’s negligence.   If you do intend to seek indemnity for the railroad’s … Continue reading






HOW TO GET INDEMNITY IN A CONSTRUCTION CONTRACT

Posted in Additional insured coverage, Commercial General Liability (CGL), Construction liability, Contract liability coverage, Indemnity clauses, Uncategorized

Most Midwest states have specific statutes that bar one party from asking for indemnity from another party in a construction related contract.  Iowa, Kansas and Missouri do not.  However, Nebraska, North Dakota, South Dakota and Minnesota do. All parties to any contract that involves any type … Continue reading






HOW TO PROPERLY INSURE A CONSTRUCTION PROJECT

Posted in Additional insured coverage, Construction liability, Construction subrogation, Indemnity clauses, Insurance contract

  Here are three simple rules for obtaining indemnity and insurance on a construction project if you are the owner or the General Contractor. #1.  Make all subcontractors add you as an additional insured on their CGL policies by endorsement.  Insist upon the ISO 1985 … Continue reading






WHAT RAILROADS SHOULD KNOW ABOUT BEING AN ADDITONAL INSURED BY CONTRACT

Posted in Additional insured coverage, Commercial General Liability (CGL), Contract liability coverage, Indemnity clauses, Railroad endorsement, Railroad indemnity

Railroads can be covered for losses caused in whole or in part by a contractor.  If a railroad is added to the contractor’s Commercial General Liability (CGL) insurance policy as an additional insured, all losses which arise out of the contractor’s work should … Continue reading