Expert Commentary

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Additional Insured Issues

Additional Insured Obstacles Fall: Is Coverage Restricted?

Julian Ehrlich | October 10, 2025

In this second of a two-part series, Julian Ehrlich reviews the split in authority on whether additional insured (AI) coverage is limited to the vicarious liability of the putative AI.

Risk Management

Proactive Safety Without the Hype: What AI Can (And Can't) Do for the Field

Justin Morrow | October 10, 2025

Justin Morrow predicts that, despite the overwhelming hype, artificial intelligence (AI) will play a supporting role to leadership. He examines its strengths and limitations.

Additional Insured Issues

Additional Insured Obstacles Fall: Coverage Is Not "Premature"

Julian Ehrlich | October 9, 2025

Julian Ehrlich briefly traces the evolution of Insurance Services Office, Inc., additional insured endorsements' wording and reviews how insurers have tried to restrict coverage and various courts' response.

Construction Safety

Stagnating US Safety Systems

TJ Lyons | October 3, 2025

Do we have a "loose" safety system in the US? TJ Lyons examines the current objectives and data, comparing them to those of other countries.

Commercial Liability

Breaking Coverage Case—Duty to Defend Owed for PFAS Claims

Jes Alexander | September 26, 2025

Two liability insurers owed a duty to defend a town facing claims of environmental pollution relating to per- and polyfluoroalkyl substances (PFAS). The court held that the noise and pollution exclusion was inapplicable in the duty to defend context due to the exclusion's carve-outs.

Reinsurance

Who Knows What Matters When It Comes to Risk Exposures

Larry Schiffer | September 12, 2025

Larry Schiffer discusses a recent reinsurance lawsuit involving whose knowledge triggers the known exposures exclusion.

Property Insurance

Implications of Recent Legislation on Property Insurance for Construction

Kurt Huie | September 12, 2025

To safeguard proper risk management, project managers, insurance brokers, and other stakeholders need to be educated on the evolving landscape. Kurt Huie explains.