Expert Commentary

Latest Articles

Liability Insurance

Landlord as an Insured

Craig Stanovich | July 22, 2025

For coverage to apply to the landlord on the tenant's commercial general liability policy, Craig Stanovich advises looking beyond the enforceability of the lease to whether a landlord-tenant relationship has been created.

Courts and Coverage

Breaking Coverage Case—"Additional Named Insured" Not Enough for Owner Under Builders Risk Policy

Jes Alexander | July 16, 2025

The Eighth Circuit Court of Appeals affirmed summary judgment for Travelers, holding that a property owner could not recover for lost rental income or soft costs under a builders risk policy because it was only an "additional named insured" and not the "named insured" under the policy. The court held that the policy limited coverage for such losses to the "named insured" only.

Commercial Property

Valued Policy Laws—What Constitutes a Total Loss?

Catherine L Trischan | July 16, 2025

This complex issue has varying answers, depending on the jurisdiction and circumstances surrounding the loss. Catherine Trischan explains.

Claims Practices

Failure to Read Policy Proves Fatal to Claim

Barry Zalma | July 15, 2025

The Georgia Court of Appeals holds that ignorance of underinsured motorist coverage for a pedestrian hit by a car is inexcusable. Barry Zalma relates the case.

Liability Insurance

Duty to Defend in the CGL Policy

Craig Stanovich | July 11, 2025

Craig Stanovich explains in a clear, concise, and understandable way how the duty to defend provision works in the commercial general liability (CGL) policy.

Builders Risk Insurance

Builders Risk Case Update: BCC Partners, LLC v. Travelers

Steven Coombs | July 11, 2025

Steve Coombs relates a recent case where an additional named insured was not covered for soft costs or loss of rents due to a technicality.

Risk Management

Risk Management Is Entering a New Era of Innovation

Henry Story | July 11, 2025

Henry Story provides takeaways from the 2025 RISKWORLD in Chicago.

Wrap-Up Programs

Navigating Wrap-Up Programs in Construction: Overcoming Challenges with Best Practices

Seth Oswald | July 11, 2025

Project sponsors are increasingly turning to wrap-up insurance programs to manage the complex interplay of insurance coverage on construction sites. However, navigating these programs can be tricky. This article, derived from a presentation at the 2024 IRMI Construction Risk Conference, aims to explore common challenges and best practices for participating in and managing wrap-up policies in construction projects.