Craig F. Stanovich, CPCU, CIC, AU

Principal Austin & Stanovich Risk Managers, LLC 1174 Main Street, Ste. 300 Holden, MA 01520 Ph.: (888) 540-7604 ext. 102 Fax: (888) 650-7803 www.austinstanovich.com

Craig Stanovich writes on commercial general liability (CGL) insurance policy issues for IRMI.com.

Mr. Stanovich is co-founder and principal of Austin & Stanovich Risk Managers, LLC, a risk management and insurance advisory consulting firm specializing in all aspects of commercial insurance and risk management, providing risk management and insurance solutions, not insurance sales. Services include fee based "rent-a-risk manager" outsourcing, expert witness and litigation support and technical/educational support to insurance companies, agents and brokers.

Formerly a vice president of commercial insurance for a large regional insurance brokerage firm in Worcester, Massachusetts, Mr. Stanovich specializes in commercial and business insurance, including: commercial property and time element, commercial general liability, umbrella liability, workers compensation, and employment practices liability coverages. He has practical, in-depth experience in risk management, pollution liability, retrospective rating programs, workers compensation self-insurance groups, association captives/risk retention groups, and is familiar with most legal issues concerning insurance.

Mr. Stanovich has published articles in various national and local journals and magazines in both the insurance and business fields. He has also served as an expert witness in several cases involving insurance custom and practice as well as insurance coverage issues. He is currently serving as president of the Central Massachusetts Chapter, CPCU Society. Mr. Stanovich has also served on the Holden Finance Committee from 1992 to 1998, serving as chair in 1997 and 1998. He is a member of the Holden Planning Board, currently serving as vice chairman.

Mr. Stanovich graduated from Bridgewater State College with a BS in Education and has worked in the insurance and risk management field since 1978. He is an instructor locally for CPCU, ARM, and CISR classes, and also serves on the National Faculty of the Society of Certified Insurance Counselors for the James K. Ruble Advanced Coverage Series. He holds the Associate in Underwriting (AU), CPCU, and CIC professional designations and is a Licensed Insurance Advisor in Massachusetts and has his Massachusetts broker's license in Property, Casualty, Life, Accident and Health.

Austin & Stanovich Risk Managers LLC (www.austinstanovich.com) has been recognized by Business Insurance as a "Notable" Web site in the category "Risk Management Information" in the publication's "2003 Best of the Web" edition.

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Articles on IRMI.com

Commercial Insurance: General Liability Insurance

A High-Level View of the CGL Policy (January 2010)

OCP Liability versus Additional Insured Coverage (October 2009)

Contractual Confusion—Assuming the Liability of Others (July 2009)

Other Insurance and the CGL Policy (April 2009)

Trigger Theories and the CGL (December 2008)

Care, Custody, or Control Exclusion in the CGL (October 2008)

CGL Insurance 2007 Edition—A Summary of Changes (June 2008)

CGL Exclusion for Expected or Intended Injury (March 2008)

Liquor Liability Exclusion in the CGL (January 2008)

When Workers Aren't Employees (September 2007)

In Defense of Insured Contracts (July 2007)

No Harm, No Coverage—Personal and Advertising Injury Liability Coverage in the CGL (Part 1) (January 2007)

No Harm, No Coverage—Personal and Advertising Injury Liability Coverage in the CGL (Part 2) (April 2007)

The Hazards of Products and Completed Operations (October 2006)

Additional Insured Endorsements—A Potential Minefield (Part 1) (January 2006)

Additional Insured Endorsements—A Potential Minefield (Part 2) (February 2006)

Additional Insured Endorsements—A Potential Minefield (Part 3) (March 2006)

Auto versus Mobile Equipment in the 2004 CGL—An Update (October 2005)

Faulty Work and the CGL (July 2005)

CGL—Fire Legal (April 2005)

CGL—Covered Locations (December 2004)

A Summary of December 2004 ISO CGL Policy Changes (October 2004)

How the Limits Apply in the CGL (July 2004)

Additional Insured Changes in the CGL (May 2004)

Some Common Coverage Misconceptions of the CGL Policy (January 2004)

Known Injury or Damage (October 2003)

When Is an Insured Not an Insured? (June 2003)

The CGL Pollution Exclusion (March 2003)

Auto versus Mobile Equipment in the CGL (December 2002)

Duty to Defend in the CGL Policy (August 2002)

Contractual Liability and the CGL Policy (May 2002)