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A contractor may believe they never perform residential work, but their insurance policy may define residential construction much more broadly. In this episode of Scandals: Insurance Uncovered, Amy Lamb and Theresa Guertin examine residential exclusions and the unexpected ways they can affect contractors, subcontractors,general contractors, brokers, and insurance reviewers. They explore how manuscript language may extend beyond dwelling units to mixed use buildings, commercial spaces, common areas, sidewalks, utilities, paving, and other workconnected to a residential development. Amy and Theresa also discuss condo conversion language, project specific coverage, unit count restrictions, incomplete checkbox forms, and why coverage that does not match the work being performed can create devastating financial consequences. The episode begins with an update on New York’s AVOID Act, including the revised 90 day framework and its application to actions commenced on or after April 18, 2026. Listeners will learn: Why commercial work inside a mixed use building may still be treated as residential workHow definitions within manuscript exclusions can dramatically expand the restrictionWhy future apartment to condominium conversions may affect completed operations coverageHow unit count limits can apply across an entire policy period rather than one projectWhy incomplete checkboxes and blank fields should never be ignoredWhen contractors and general contractors should involve the broker or underwriterHow a coverage gap can leave the insured responsible for a six or seven figure loss..... Resources from this Episode: Previous Episode: Understanding New York’s AVOID ActResidential Exclusion Review ChecklistSubmit a Policy or Exclusion for Review..... Have a burning insurance question or a case you want us to dissect? We're all ears! Submit your topics, cases, or anyareas of interest, and let our hosts dive into the details. Reach out to us directly—your suggestion could be featured in an upcoming episode! Reach us directly at ⁠⁠[email protected]⁠⁠ ..... Follow the Scandals: Insurance Uncovered Podcast: LinkedIn: ⁠⁠linkedin.com/company/scandalspod/⁠⁠ Instagram: ⁠⁠instagram.com/scandalspod/⁠⁠ Facebook: ⁠⁠facebook.com/scandalspod⁠ ..... Connect with our hosts: Theresa Guertin & Amy Lamb ⁠⁠linkedin.com/in/theresaguertin/⁠⁠ ⁠⁠linkedin.com/in/amy-lamb-ba948528/⁠⁠ ..... Review our show on Spotify or Apple Podcasts.

What Compressed Deadlines Mean for Risk TransferIn this Season 2 premiere of Scandals: Insurance Uncovered, Amy Lamb and Teresa Guertin unpack New York’s newlyenacted AVOID Act and the compressed deadlines now governing third party practice in construction litigation. Under the new law, defendants have just sixty days to bring contractual indemnity and impleader claims after answeringa complaint. What once allowed flexibility in third party claims strategy is now governed by strict timelines that could reshape how general contractors, subcontractors, carriers, and risk managers approach risk transfer. But this episode goes beyond a statutory breakdown. Amy and Teresa explore: How compressed impleader deadlines may front load litigationWhy “kitchen sink” third party actions could increaseThe cost shifting implications for carriers and insuredsWhat this means for documentation, site investigation, and contract disciplineHow pending construction litigation may also be affectedAlthough the AVOID Act is specific to New York, the structural implications reach far beyond one jurisdiction. Compressed timelines force clarity. They expose weak documentation. And they challenge long standing assumptions about how indemnity claims unfold. As the April 18, 2026 effective date approaches, construction professionals must rethink how quickly indemnity decisions are made. If you work in construction risk, coverage, claims, or contract management, this conversation is essential listening. ..... Resources from this Episode: New York State Senate — AVOID Act bill text and summaryOfficial legislative language for the Avoiding Vexatious Overuse of Impleading to Delay (AVOID) Act.New York Senate Bill S8071A (AVOID Act) — Text and Summary New York Workers’ Compensation Law § 11 — “Grave Injury” definition The statutory definition of a “grave injury,” which is an exception to certain limitations on indemnity/contribution.New York Workers’ Compensation Law Section 11 (Grave Injury) ..... Have a burning insurance question or a case you want us to dissect? We're all ears! Submit your topics, cases, or anyareas of interest, and let our hosts dive into the details. Reach out to us directly—your suggestion could be featured in an upcoming episode! Reach us directly at ⁠⁠[email protected]⁠⁠ ..... Follow the Scandals: Insurance Uncovered Podcast: LinkedIn: ⁠⁠linkedin.com/company/scandalspod/⁠⁠Instagram: ⁠⁠instagram.com/scandalspod/⁠⁠Facebook: ⁠⁠facebook.com/scandalspod⁠..... Connect with our hosts: Theresa Guertin & Amy Lamb ⁠⁠linkedin.com/in/theresaguertin/⁠⁠ ⁠⁠linkedin.com/in/amy-lamb-ba948528/⁠⁠ ..... Review our show on Spotify or Apple Podcasts.

Amy Lamb and Theresa Guertin are back from the IRMI Construction Risk Conference 2025 and they brought stories,strategy, and a few conference confessions with them. This IRMI recap episode breaks down what actually matters once the badge is off and you are back in the inbox pile. In this conversation, Amy and Theresa dig into: What made this IRMI Construction Risk Conference feel different and why fewer meetings led to stronger relationshipsHow intentional networking, courage, and curiosity open doors with senior leaders, clients, and future mentorsWhy the IRMI Women’s Happy Hour and the influx of UGA risk management students felt like a turning point for young talentBehind the scenes of Soledad and Theresa’s packed master class on wrap up placements for complex projectsHow wrap up one oh one and more advanced sessions could work together as a full wrap up track at future conferencesEarly warning signs in the market, including increasingly aggressive residential and mixed use exclusions in construction insurance policiesAdvice for young professionals on picking up the phone, asking the questions that feel scary, and learning by doingWhy sobriety, boundaries, and life outside the conference hotel change how you experience events and your careerIf you are a construction insurance professional, risk manager, broker, or carrier partner who wants to get more out of conferences like IRMI, this recap will give you both practical takeaways and a reminder that relationships still drive this industry. Perfect for listeners interested in IRMI, construction risk, wrap up programs, OCIP placements, and the real life side of networking and career growth in insurance. ..... Have a burning insurance question or a case you want us to dissect? We're all ears! Submit your topics, cases, or anyareas of interest, and let our hosts dive into the details. Reach out to us directly—your suggestion could be featured in an upcoming episode! Reach us directly at ⁠⁠[email protected]⁠⁠ ..... Follow the Scandals: Insurance Uncovered Podcast: LinkedIn: ⁠⁠linkedin.com/company/scandalspod/⁠⁠ Instagram: ⁠⁠instagram.com/scandalspod/⁠⁠ Facebook: ⁠⁠facebook.com/scandalspod⁠..... Connect with our hosts: Theresa Guertin & Amy Lamb ⁠⁠linkedin.com/in/theresaguertin/⁠⁠ ⁠⁠linkedin.com/in/amy-lamb-ba948528/⁠⁠ ..... Review our show on Spotify or Apple Podcasts.

Just because the work is done doesn’t mean your coverage is. In this season finale of Scandals: Insurance Uncovered, Amy and Theresa dig into the messy, misunderstood world of completed operations coverage — and why the most dangerous endorsements don’t show up until long after the project ends. From wrap-up tail coverage to exclusions J and L, this episode pulls back the curtain on how “completed” work can still trigger very active liability. Plus, the story of a retired contractor, a forgotten policy, and a six-figure payout that nearly disappeared. In this episode, you’ll learn: What the Products-Completed Operations (PCO) Hazard really coversThe difference between a PCO hazard and a PCO extensionWhy wrap-up tails are only as strong as your excess carrier languageHow exclusions J(6) and L draw the line between covered and deniedWhen punch list and warranty work can blow up your completed ops assumptionsSeason 1 may be wrapping up, but this episode is just the beginning of the conversations we need to have aboutcoverage that lingers long after the job is done. ..... Resources from this Episode: Products-Completed Operations Cheat Sheet A quick reference guide to completed ops basics This one-page summary breaks down what the PCO hazard actually covers, how it differs from a PCO extension, and where it shows up in exclusions, limits, and endorsements. Perfect for internal training or a compliance refresh. Download here: https://2284419.fs1.hubspotusercontent-na1.net/hubfs/2284419/Scandals%20Reference%20Files/Scandals%20PCOs%20Cheat%20Sheet.pdf   SDV Law Whitepaper: The Products-Completed Operations Hazard & Wrap-Up Insurance Understanding coverage for warranty work under wrap-ups This in-depth whitepaper from SDV Law explores how bodily injury claims during warranty work should be handled under a wrap-up policy. Includes real-world hypotheticals, policy language breakdowns, and key reminders about PCO hazardextensions and repair work endorsements. Download here: https://2284419.fs1.hubspotusercontent-na1.net/hubfs/2284419/Scandals%20Reference%20Files/2015.03.PCO%20Hazard%20&%20Wrap%20Insurance%20Whitepaper.pdf ..... Have a burning insurance question or a case you want us to dissect? We're all ears! Submit your topics, cases, or anyareas of interest, and let our hosts dive into the details. Reach out to us directly—your suggestion could be featured in an upcoming episode! Reach us directly at ⁠⁠[email protected]⁠⁠ ..... Follow the Scandals: Insurance Uncovered Podcast: LinkedIn: ⁠⁠linkedin.com/company/scandalspod/⁠⁠ Instagram: ⁠⁠instagram.com/scandalspod/⁠⁠ Facebook: ⁠⁠facebook.com/scandalspod⁠ ..... Connect with our hosts: Theresa Guertin & Amy Lamb ⁠⁠linkedin.com/in/theresaguertin/⁠⁠ ⁠⁠linkedin.com/in/amy-lamb-ba948528/⁠⁠ ..... Review our show on Spotify or Apple Podcasts.

What if you paid for 20 years of coverage—only to come up short? Amy and Theresa unpack anti-stacking endorsements: the quiet clauses that quietly slash insurance recovery whenclaims span years, policies, or joint ventures. If you think 5+5 equals 10 in insurance, this episode might surprise you. In this listener-requested episode, you'll learn: Why June 1st is peak renewal season—and a prime time for anti-stacking to slip inThe three key claim types where stacking matters mostHow a single clause can block stacking across years, insurers, or policy linesWhy multi-year triggers once helped policyholders—and how carriers are reversing thatThe hidden relationship between SIRs (self-insured retentions) and stacking limitsWhy the word “you” might not mean you in your policy—and how that gets used against youRecorded on Friday the 13th (yes, really), this episode is part policy lesson, part horror story. Amy and Theresaalso reflect on one year of Scandals as they prepare to wrap up Season 1—with one last summer episode to go.   Key Terms Explored: Anti-Stacking Endorsements, Long-Tail Claims, Joint Ventures, Construction Defects, SIRs vs. Deductibles, Horizontal Exhaustion   Listener Tip: If your policies involve overlapping coverage, anti-stacking endorsements could quietly shrink your limits. Always read your forms—and never assume coverage stacks the way it should. ..... Have a burning insurance question or a case you want us to dissect? We're all ears! Submit your topics, cases, or anyareas of interest, and let our hosts dive into the details. Reach out to us directly—your suggestion could be featured in an upcoming episode! Reach us at ⁠⁠[email protected]⁠⁠ ..... Follow the Scandals: Insurance Uncovered Podcast: LinkedIn: ⁠⁠linkedin.com/company/scandalspod/⁠⁠Instagram: ⁠⁠instagram.com/scandalspod/⁠⁠Facebook: ⁠⁠facebook.com/scandalspod⁠..... Connect with our hosts: Theresa Guertin & Amy Lamb ⁠⁠linkedin.com/in/theresaguertin/⁠⁠ ⁠⁠linkedin.com/in/amy-lamb-ba948528/⁠⁠ ..... Review our show on Spotify or Apple Podcasts.

When two become one, who’s really liable? In this episode of Scandals: Insurance Uncovered, Amy and Theresa unravel the tangled world of joint ventures in construction and the insurance chaos that often follows. From surprising court decisions to critical contract language mistakes, this episode is a must-listen for anyone working with complex project structures. Key Takeaways: The surprising reason why joint venture partners might BOTH be liable, whether they know it or not.How poorly worded AI endorsements can lead to years of litigation (and who really foots the bill).Real-life case studies including Travelers v. Harleysville and the hilariously named Bacon Construction case.Why defense costs can sometimes exceed the value of the claim itself and how to protect against it.The one contract clause that could save your company from a coverage nightmare.Don’t let your next JV become a financial fiasco! Tune in now! ..... Resourcesfrom this Episode: Bacon Construction Co Inc v Ohio Security Insurance Co Westfield Insurance Company v WalshK-Five JV Travelers Property Casualty Company of America v Harleysville Insurance Company of New York Resources are provided for educational purposes only and may not represent the most current version of these forms. Always consult your broker or carrier for current policy language. ..... Have a burning insurance question or a case you want us to dissect? We're all ears! Submit your topics, cases, or any areas of interest, and let our hosts dive into the details. Reach out to us directly—your suggestion could be featured in an upcoming episode! Reach us directly at ⁠⁠[email protected]⁠⁠ ..... Follow the Scandals: Insurance Uncovered Podcast: LinkedIn: ⁠⁠linkedin.com/company/scandalspod/⁠⁠Instagram: ⁠⁠instagram.com/scandalspod/⁠⁠Facebook: ⁠⁠facebook.com/scandalspod⁠..... Connect with our hosts: Theresa Guertin & Amy Lamb ⁠⁠linkedin.com/in/theresaguertin/⁠⁠ ⁠⁠linkedin.com/in/amy-lamb-ba948528/⁠⁠..... Review our show on Spotify or Apple Podcasts.

You think your general liability policy has you covered… until it doesn’t. In this episode of Scandals: Insurance Uncovered, Amy and Theresa unravel the often-overlooked (but highly consequential) world of professional liability exclusions. From shop drawings and design assist work to vague carrier language that leaves too much room for denial, they reveal how even the most routine construction tasks can trigger unexpected exclusions. You’ll learn: What actually counts as a “professional service” (and why the answer might surprise you)How to spot the fine print in ISO forms CG 2279 vs. CG 2243Why exclusions from carriers like Hanover and Hartford are making brokers nervousReal trade examples where seemingly covered work crosses into exclusion territoryThe questions brokers should be asking when writing policies for contractorsIf you’re in the business of reviewing policies, managing risk, or just trying to keep your coverage airtight—this episode is your new secret weapon. ..... Resources from this Episode: ISO CG 22 79 04 13 ISO CG 22 43 04 13 Hanover professional liability exclusion Hartford BOP policy exclusion ..... Have a burning insurance question or a case you want us to dissect? We're all ears! Submit your topics, cases, or any areas of interest, and let our hosts dive into the details. Reach out to us directly—your suggestion could be featured in an upcoming episode! Reach us directly at ⁠⁠[email protected]⁠⁠ ..... Follow the Scandals: Insurance Uncovered Podcast: LinkedIn: ⁠⁠linkedin.com/company/scandalspod/⁠⁠ Instagram: ⁠⁠instagram.com/scandalspod/⁠⁠ Facebook: ⁠⁠facebook.com/scandalspod ..... Connect with our hosts: Theresa Guertin& Amy Lamb ⁠⁠linkedin.com/in/theresaguertin/⁠⁠ ⁠⁠linkedin.com/in/amy-lamb-ba948528/⁠⁠ ..... Review our show on Spotify or Apple Podcasts.

In this episode of Scandals: Insurance Uncovered, hosts Theresa Guertin and Amy Lamb return to untangle the next layer of additional insured (AI) endorsements. From broad form ISO endorsements like CG 2033 and CG 2038 to custom manuscript nightmares, they explore how language, privity, and policy design can make or break your coverage. Whether you're an insurance pro, broker, or risk manager, this episode offers a deeper look into how endorsements affect ongoing vs. completed operations, contractual risk transfer, and the true meaning behind "blanket additional insured." Spoiler alert: It's not always what it seems. You'll learn: The real difference between CG 2033, CG 2038, CG 2040, and CG 2039How privity requirements can leave insureds uncoveredWhy some manuscript endorsements are like playing Chutes and Ladders with your policyWhat courts have said (and not said) about blanket AI formsRed flags to watch for in policy schedules and contract language Tune in and uncover the hidden traps in your endorsements—before they slide your client straight into a claim denial. ..... Resources from this Episode: CG 2033 07 04 – Broad Form Additional Insured Endorsement (Ongoing Operations) CG 2038 12 19 – Broad Form AI Endorsement expanding beyond privity SDV Law White Paper on State Farm AI Endorsements ..... Have a burning insurance question or a case you want us to dissect? We're all ears! Submit your topics, cases, or any areas of interest, and let our hosts dive into the details. Reach out to us directly—your suggestion could be featured in an upcoming episode! Reach us directly at ⁠⁠[email protected]⁠⁠ ..... Follow the Scandals: Insurance Uncovered Podcast: LinkedIn: ⁠⁠linkedin.com/company/scandalspod/⁠⁠ Instagram: ⁠⁠instagram.com/scandalspod/⁠⁠  Facebook: ⁠⁠facebook.com/scandalspod ..... Connect with our hosts: Theresa Guertin& Amy Lamb ⁠⁠linkedin.com/in/theresaguertin/⁠⁠ ⁠⁠linkedin.com/in/amy-lamb-ba948528/⁠⁠ ..... Review our show on Spotify or Apple Podcasts.

In this episode of Scandals: Insurance Uncovered, Amy Lamb and Teresa Guertin dive deep into the evolving world of Additional Insured (AI) endorsements, exploring howISO forms have changed over time and what that means for policyholders, risk managers, and legal entities. Join us as we uncover: The history of AI endorsements: From the CG 20 10 11 85 to the latest editions.The shift from “arising out of” to “caused in whole or in part by”: What it really means for risk transfer.How case law (including Burlington and Hanover v. Philadelphia) has shaped the interpretation of AI language.The impact of contractual limitations in 04/13 and later editions andwhy your policy limits might not be what you think.Why manuscript endorsements can be a hidden trapand how to spot them. From GCs enforcing strict AI requirements to subs navigating policy limitations, this episode sheds light on the gray areas of insurance coverage that often lead to litigation, confusion, and costly mistakes. Don’t let insurance loopholes catch you off guard! ..... Resources from this Episode: CG 20 10 11 85 – The "unicorn form," one of the earliest and broadest additional insured endorsements.CG 20 10 10 01 & CG 20 37 10 01 – Introduced scheduling for additional insureds and separated ongoing operations from completed operations.CG 20 10 07 04 & CG 20 37 07 04 – Changed the trigger language from “arising out of” to “caused in whole or in part by”.CG 20 10 04 13 & CG 20 37 04 13 – Introduced contractual limitation language, tying coverage limits to the insured's contract requirements.CG 20 10 12 19 & CG 20 37 12 19 – The most recent ISO edition with minimal substantive changes.CG 20 33 & CG 20 38 – Mentioned as blanket additional insured forms, which will be discussed in a future episode.CG 20 39 & CG 20 40 – Newer ISO forms addressing completed operations coverage...... Have a burning insurance question or a case you want us to dissect? We're all ears! Submit your topics, cases, or any areas of interest, and let our hosts dive into the details. Reach out to us directly—your suggestion could be featured in an upcoming episode! Reach us directly at ⁠⁠[email protected]⁠⁠ ..... Follow the Scandals: Insurance Uncovered Podcast: LinkedIn: ⁠⁠linkedin.com/company/scandalspod/⁠⁠ Instagram: ⁠⁠instagram.com/scandalspod/⁠⁠  Facebook: ⁠⁠facebook.com/scandalspod⁠ ..... Connect with our hosts: Theresa Guertin & Amy Lamb ⁠⁠linkedin.com/in/theresaguertin/⁠⁠ ⁠⁠linkedin.com/in/amy-lamb-ba948528/⁠⁠ ..... Review our show on Spotify or Apple Podcasts.

*EPISODE AUDIO DISCLAIMER* As we continue to refine our recording process and optimize the sound quality of Scandals: Insurance Uncovered, you may notice some occasional audio pops, echoes, or jumbled moments in this episode. We appreciate your patience and understanding as we fine-tune our setup to bring you the best content possible. ..... Scandals: Insurance Uncovered is back in 2025, kicking off the year with a deep dive into some of the most misunderstood—and litigated—exclusions in general liability insurance: J, K, and L. What do these cryptic letters really mean in a CGL policy? And more importantly, what coverage nightmares do they create for policyholders? Join hosts Amy and Theresa as they dissect these exclusions, uncover real-life implications, and explore why courts across the country are still fighting over them. In this episode, we explore: What J, K, and L actually exclude—and why they matter so much in construction insurance How ‘that particular part’ creates coverage confusion and what it means in practice The ongoing legal battles over these exclusions—with a special focus on New York case law How courts interpret ‘occurrence’ and the impact on coverage for faulty work Why general contractors should care about the ‘subcontractor exception’ in Exclusion Strategies to mitigate risk—including endorsements that can prevent coverage denials Whether you're an insurance professional, contractor, or legal expert, this episode will sharpen your understanding of these infamous exclusions and their impact on real-world claims. ..... Have a burning insurance question or a case you want us to dissect? We're all ears! Submit your topics, cases, or any areas of interest, and let our hosts dive into the details. Reach out to us directly—your suggestion could be featured in an upcoming episode! Reach us directly at ⁠⁠[email protected]⁠⁠ ..... Follow the Scandals: Insurance Uncovered Podcast: LinkedIn: ⁠⁠linkedin.com/company/scandalspod/⁠⁠ Instagram: ⁠⁠instagram.com/scandalspod/⁠⁠  Facebook: ⁠⁠facebook.com/scandalspod ..... Connect with our hosts: Theresa Guertin & Amy Lamb ⁠⁠linkedin.com/in/theresaguertin/⁠⁠ ⁠⁠linkedin.com/in/amy-lamb-ba948528/⁠⁠ ..... Review our show on Spotify or Apple Podcasts.

Welcome back to Scandals: Insurance Uncovered! In this episode, Theresa and Amy unpack the excitement, insights, and yes—scandals—they experienced at the annual IRMI Construction Risk Conference in sunny San Diego this October. From lively panels to ice sculpture mishaps, this episode has it all! Tune in as your favorite insurance insiders discuss key industry trends, share behind-the-scenes stories, and reflect on the unique opportunities conferences like IRMI provide for connection and collaboration. The Highlights of IRMI 2024: Key panels, discussions, and standout presentations, including a rare all-female panel led by Theresa’s colleague. Networking at its Best: The importance of face-to-face meetings and how many companies, including CR Solutions, approach conferences differently. The Ice Sculpture Incident: A rooftop party mishap you won’t believe! The Rise of Data Centers: Exploring construction trends and the insurance implications for these high-value projects. AI in Insurance: From artificial intelligence to additional insureds, how technology is shaping the industry. Women in Insurance: The impact of initiatives like SDV’s Women’s Happy Hour and the importance of representation in the field. Looking Ahead: A teaser of the next episode on GL policies, J, K, and L exclusions, and their connection to builders’ risk coverage. If you're an insurance enthusiast, conference-goer, or just curious about the lighter (and occasionally scandalous) side of the industry, this episode offers a perfect blend of insightful discussion and entertaining stories. Don’t forget to subscribe, leave a review, and email us your thoughts or questions! ..... Resources from this Episode: The Insurance Insider: https://www.insuranceinsider.com/ Insurance Tracking: https://c-r-solutions.com/top-5-insurance-tracking-administrators/ Learn more about Ann Hickman: https://www.irmi.com/biographies/ann-hickman ..... Have a burning insurance question or a case you want us to dissect? We're all ears! Submit your topics, cases, or any areas of interest, and let our hosts dive into the details. Reach out to us directly—your suggestion could be featured in an upcoming episode! Reach us directly at ⁠⁠[email protected]⁠⁠ ..... Follow the Scandals: Insurance Uncovered Podcast: LinkedIn: ⁠⁠linkedin.com/company/scandalspod/⁠⁠ Instagram: ⁠⁠instagram.com/scandalspod/⁠⁠   Facebook: ⁠⁠facebook.com/scandalspod⁠ ..... Connect with our hosts: Theresa Guertin & Amy Lamb ⁠⁠linkedin.com/in/theresaguertin/⁠⁠ ⁠⁠linkedin.com/in/amy-lamb-ba948528/⁠⁠ ..... Review our show on Spotify or Apple Podcasts.

Have you missed us? Find us at IRMI CRC 2024 in beautiful San Diego, CA! In this eye-opening episode of Scandals: Insurance Uncovered, hosts Theresa and Amy delve deep into the complex world of New York labor law and the infamous labor law exclusions that haunt contractors and insurance professionals alike. Join the hosts as they break down the origins of these laws, explore their modern-day impact, and uncover the shocking rise in fraudulent claims. This episode provides historical context and real-world scenarios, offering invaluable insights for contractors, general contractors, and insurance experts. Topics Covered: History of New York Labor Law Exclusions: How labor laws, originating in 1885, continue to affect contractors today. Strict Liability and Non-Delegable Duty: The unique challenges contractors and general contractors face under New York's labor laws. Action Over Exclusions: What they are, how they appear in insurance policies, and why they are so feared in the industry. Fraudulent Claims: A rise in fraudulent action over claims, and how some cases have led to multimillion-dollar verdicts. Legal Recourse and Insurance Strategies: Navigating coverage disputes and understanding the long-term impacts of labor law exclusions on businesses. Impact on Property Values and Rent in New York: A surprising connection between insurance costs and rising living expenses in the state. Tips for Spotting Action Over Exclusions: How to identify and address these exclusions in insurance policies before they put your business at risk. Join us as we uncover the hidden dangers in labor law exclusions and discuss their lasting effects on the construction industry! ..... Have a burning insurance question or a case you want us to dissect? We're all ears! Submit your topics, cases, or any areas of interest, and let our hosts dive into the details. Reach out to us directly—your suggestion could be featured in an upcoming episode! Reach us directly at ⁠⁠[email protected]⁠⁠ ..... Follow the Scandals: Insurance Uncovered Podcast: LinkedIn: ⁠⁠linkedin.com/company/scandalspod/⁠⁠ Instagram: ⁠⁠instagram.com/scandalspod/⁠⁠  Facebook: ⁠⁠facebook.com/scandalspod⁠ ..... Connect with our hosts: Theresa Guertin & Amy Lamb ⁠⁠linkedin.com/in/theresaguertin/⁠⁠ ⁠⁠linkedin.com/in/amy-lamb-ba948528/⁠⁠ ..... Review our show on Spotify or Apple Podcasts.

In this info-packed episode of Scandals: Insurance Uncovered, insurance experts Amy Lamb and Theresa Guertin dive deep into the mysterious world of insurance exclusions and their far-reaching impact on the construction industry. With their signature blend of humor and expertise, they uncover the often-overlooked fine print in policies that can lead to costly mistakes. Topics Covered: The dangers of scope of work exclusions in construction insurance. Real-world examples of classification codes and how they can undermine coverage. Insights into business classification exclusions and their hidden pitfalls. Shocking case studies, including a courier-turned-security guard who faced a wrongful death lawsuit. Common but confusing exclusions like height and snow removal limitations. The importance of vetting subcontractors and the risks of hard hammer clauses. How historical events shape modern insurance policies (e.g., terrorism, COVID-19 exclusions). Join Amy and Theresa as they shed light on these complex but critical issues, offering practical advice for navigating the murky waters of construction insurance. Listeners will walk away with a better understanding of how to protect their projects and avoid common exclusions that could leave them vulnerable. Tune in for an episode packed with actionable insights and real-world examples that underscore the importance of reading the fine print! ..... Resources from this Episode: SDV Insight Article “Top 10 List of Scariest Insurance Policy Terms” by Theresa A. Guertin: Read the full article here! We always suggest tuning into sdvlaw.com/Insights for the latest legal insurance updates in the industry! ..... Have a burning insurance question or a case you want us to dissect? We're all ears! Submit your topics, cases, or any areas of interest, and let our hosts dive into the details. Reach out to us directly—your suggestion could be featured in an upcoming episode! Reach us directly at ⁠⁠[email protected]⁠⁠ ..... Follow the Scandals: Insurance Uncovered Podcast: LinkedIn: ⁠⁠linkedin.com/company/scandalspod/⁠⁠ Instagram: ⁠⁠instagram.com/scandalspod/⁠⁠  Facebook: ⁠⁠facebook.com/scandalspod⁠ ..... Connect with our hosts: Theresa Guertin & Amy Lamb ⁠⁠linkedin.com/in/theresaguertin/⁠⁠ ⁠⁠linkedin.com/in/amy-lamb-ba948528/⁠⁠ ..... Review our show on Spotify or Apple Podcasts.

In this episode of Scandals: Insurance Uncovered, hosts Amy Lamb and Theresa Guertin delve deep into the legal and insurance implications surrounding a recent New York appellate court case that has shaken the foundations of additional insured endorsements. As they unpack the details of the New York City Housing Authority vs. Harleysville Worcester Insurance Company case, they explore the potential widespread impacts on the construction industry and insurance policies across the board. Key Topics Covered: The background and significance of blanket vs. scheduled endorsements in insurance. Detailed analysis of the Harleysville endorsement and its controversial interpretation. The implications of privity clauses in construction contracts. A comparison of the CG 2010 and Harleysville’s unique wording. Potential future legal battles and their impact on the insurance industry. Join Amy and Theresa as they navigate the complexities of this legal decision, offering insights and predictions for what's next in the world of additional insured endorsements. Whether you're an insurance professional, legal expert, or just someone curious about the intricacies of insurance law, this episode is packed with valuable information that you won’t want to miss ..... Have a burning insurance question or a case you want us to dissect? We're all ears! Submit your topics, cases, or any areas of interest, and let our hosts dive into the details. Reach out to us directly—your suggestion could be featured in an upcoming episode! Reach us directly at ⁠⁠[email protected]⁠⁠ ..... Follow the Scandals: Insurance Uncovered Podcast: LinkedIn: ⁠⁠linkedin.com/company/scandalspod/⁠⁠ Instagram: ⁠⁠instagram.com/scandalspod/⁠⁠ Facebook: ⁠⁠facebook.com/scandalspod⁠ ..... Connect with our hosts: Theresa Guertin & Amy Lamb ⁠⁠linkedin.com/in/theresaguertin/⁠⁠ ⁠⁠linkedin.com/in/amy-lamb-ba948528/⁠⁠ ..... Review our show on Spotify or Apple Podcasts

In this episode of Scandals: Insurance Uncovered, Theresa Guertin from Saxe Doernberger & Vita and Amy Lamb from CR Solutions dive into a complex yet critical aspect of construction insurance: wrap-up exclusions. Join them as they unpack the intricacies of these policies and their real-world implications for contractors and insurance professionals. Topics Covered: Understanding Wrap-Up Exclusions: What they are and why they matter. The Evolution of ISO Forms: From the 1996 CG 2154 to the 2019 revisions. Challenges in Coverage: How "involved" and "enrolled" language can impact claims. Practical Tips for Contractors: Avoiding pitfalls when transitioning from wrap-up to traditional insurance. Case Law and Real-World Scenarios: Insights from the field on how these issues play out in court and on job sites. Theresa and Amy engage in a lively discussion about the challenges and nuances of insurance language, particularly around wrap-up exclusions. They explore how seemingly small wording changes can lead to significant legal and financial consequences for contractors and insurers. Whether you're an industry veteran or new to the world of construction insurance, this episode provides valuable insights and practical advice to help you navigate this complex terrain. Don't miss their tips on ensuring proper coverage and avoiding costly mistakes as wrap-up programs come to a close. Listen now to equip yourself with the knowledge you need to stay ahead in the ever-evolving world of construction insurance. ..... Have a burning insurance question or a case you want us to dissect? We're all ears! Submit your topics, cases, or any areas of interest, and let our hosts dive into the details. Reach out to us directly—your suggestion could be featured in an upcoming episode! Reach us directly at ⁠⁠[email protected]⁠⁠ ..... Follow the Scandals: Insurance Uncovered Podcast: LinkedIn: ⁠⁠linkedin.com/company/scandalspod/⁠⁠ Instagram: ⁠⁠instagram.com/scandalspod/⁠⁠ Facebook: ⁠⁠facebook.com/scandalspod⁠ ..... Connect with our hosts: Theresa Guertin & Amy Lamb ⁠⁠linkedin.com/in/theresaguertin/⁠⁠ ⁠⁠linkedin.com/in/amy-lamb-ba948528/⁠⁠ ..... Review our show on Spotify or Apple Podcasts.