Craig F. Stanovich

Principal, Austin & Stanovich Risk Managers, LLC

Contact Info

Austin & Stanovich Risk Managers, LLC
1174 Main Street, Suite 300
Holden, MA 01520
Phone: (888) 540–7604 ext. 102
Fax: (888) 650–7803

http://austinstanovich.com/

Background

Craig Stanovich writes on liability 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 (austinstanovich.com/) has been recognized by Business Insurance as a "Notable" website in the category "Risk Management Information" in the publication's "2003 Best of the Web" edition.

Expert Commentary

Date	Article
Jun 2019	How the Limits Apply in the CGL Policy
Mar 2019	The Hazards of Products and Completed Operations: Understanding the Fundamentals
Dec 2018	Primary and Noncontributory
Sep 2018	Some Common Coverage Misconceptions of the CGL Policy
Sep 2018	More Coverage Misconceptions of the CGL Policy
Jun 2018	Faulty Work and the CGL
Apr 2018	Contractual Liability and the CGL Policy
Oct 2017	Professional Profiles: Craig Stanovich, Austin & Stanovich Risk Managers LLC
Jul 2017	Commercial Umbrellas and the Demand for Primary and Noncontributory
Apr 2017	Coverage Gaps Created by Exclusionary Endorsements
Dec 2016	Additional Insured Issues 2016—Part Two
Sep 2016	Additional Insured Issues 2016—Part One
Jun 2016	Loss of Use as Property Damage
Jan 2016	Commercial Umbrella Policy—A Few Things To Consider
Sep 2015	Employers Liability Exclusion in the CGL Policy
Jul 2015	Pennsylvania Adopts "First Manifestation Rule" as the CGL Coverage Trigger
Mar 2015	The ISO Classification System and the CGL Policy
Dec 2014	The Duty To Defend—Groundless, False, or Fraudulent
Sep 2014	The Montrose Endorsement—15 Years Later
Jun 2014	The "Your Work Exclusion"—A Curious View
Apr 2014	The CGL and the Professional Liability Exclusion
Dec 2013	Subrogation and the CGL Policy
Sep 2013	Broad Form Property Damage—A Look Back
Jun 2013	Selling Your Premises—Does CGL Coverage Apply after the Sale?
Mar 2013	The 2013 Edition of the CGL Policy
Nov 2012	The Claims-Made CGL Policy
Jun 2012	Contractual Liability Exclusion—The Ball Is in Your Court
Jun 2012	Punitive Damages—Setting an Example
Dec 2011	Is an Occurrence the Bodily Injury or Property Damage?
Oct 2011	Additional Insured Status—Automatic or Wet Blanket?
Jun 2011	Legal Separation—The Severability Test in the CGL
Jan 2011	The Increasingly Complex CGL Policy
Oct 2010	Pay Me Back! Reimbursement of Defense Costs in the CGL
Jul 2010	The Recall Expense Exclusion—When Your Ship Does Not Come In
Apr 2010	The Impaired Property Exclusion
Jan 2010	A High-Level View of the CGL Policy
Oct 2009	OCP Liability versus Additional Insured Coverage
Jul 2009	Contractual Confusion—Assuming the Liability of Others
Apr 2009	Other Insurance and the CGL Policy
Dec 2008	Trigger Theories and the CGL
Oct 2008	Care, Custody, or Control Exclusion in the CGL
Jun 2008	CGL Insurance 2007 Edition—A Summary of Changes
Mar 2008	I Did Not Expect That! The CGL Exclusion for Expected or Intended Injury
Jan 2008	Raising the Bar—The Liquor Liability Exclusion in the CGL
Sep 2007	When Workers Aren't Employees
Jul 2007	In Defense of Insured Contracts
Apr 2007	No Harm, No Coverage—Personal and Advertising Injury Liability Coverage in the CGL (Part 2)
Jan 2007	No Harm, No Coverage—Personal and Advertising Injury Liability Coverage in the CGL (Part 1)
Mar 2006	Additional Insured Endorsements—A Potential Minefield (Part 3)
Feb 2006	Additional Insured Endorsements—A Potential Minefield (Part 2)
Jan 2006	Additional Insured Endorsements—A Potential Minefield (Part 1)
Oct 2005	Auto versus Mobile Equipment in the 2004 CGL—An Update
Apr 2005	CGL—Fire Legal
Dec 2004	CGL—Covered Locations
Oct 2004	The New ISO Commercial General Liability Policy: A Summary of December 2004 Policy Changes
May 2004	Additional Insured Changes in the CGL
Oct 2003	Known Injury or Damage
Jun 2003	When Is an Insured Not an Insured?
Mar 2003	The CGL Pollution Exclusion
Dec 2002	Auto versus Mobile Equipment in the CGL
Aug 2002	Duty To Defend in the CGL Policy