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Craig Stanovich

(888) 540–7604, ext. 102

[email protected]

Austin & Stanovich Risk Managers, LLC
1174 Main St.
Holden , MA

Craig F. Stanovich, CPCU, CIC, CRM, AU

Principal


Mr. Stanovich writes on liability insurance policy issues for IRMI.com.

Mr. Stanovich is cofounder 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, 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, and 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, Chartered Property Casualty Underwriter (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 bachelor of science in education and has worked in the insurance and risk management field since 1978. He is an instructor locally for CPCU, Associate in Risk Management (ARM), and Certified Insurance Service Representative (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 Certified Insurance Counselor (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, 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.


Articles

Commercial Liability

Commercial Umbrella Policy—A Few Things To Consider

June 28, 2024 | Craig F Stanovich

Liability Insurance

Claims-Made Policies—Timing Is Everything

November 17, 2023 | Craig F Stanovich

Liability Insurance

Coverage Challenges in CGL Insuring Agreements

January 20, 2023 | Craig F Stanovich

Liability Insurance

The Auto Exclusion in the CGL Policy

September 01, 2022 | Craig F Stanovich

Liability Insurance

Do Trade Names Limit CGL Coverage?

July 22, 2022 | Craig F Stanovich

Liability Insurance

Subsidence Exclusion in the CGL Policy

March 16, 2022 | Craig F Stanovich

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Liability Insurance

Auto versus Mobile Equipment in the CGL

December 01, 2021 | Craig F Stanovich

Liability Insurance

Loss of Use as Property Damage

June 04, 2021 | Craig F Stanovich

Liability Insurance

The CGL Pollution Exclusion

May 07, 2021 | Craig F Stanovich

Liability Insurance

Commercial Umbrella—Exhaustion of the Underlying Insurance

September 25, 2020 | Craig F Stanovich

Liability Insurance

The Coronavirus and the CGL Policy

June 12, 2020 | Craig F Stanovich

Liability Insurance

Employers Liability Exclusion in the CGL Policy

April 03, 2020 | Craig F Stanovich

Liability Insurance

The ISO Classification System and the CGL Policy

November 08, 2019 | Craig F Stanovich

Liability Insurance

How the Limits Apply in the CGL Policy

June 28, 2019 | Craig F Stanovich

Liability Insurance

The Hazards of Products and Completed Operations: Understanding the Fundamentals

March 06, 2019 | Craig F Stanovich

Liability Insurance

Primary and Noncontributory

December 14, 2018 | Craig F Stanovich

Liability Insurance

More Coverage Misconceptions of the CGL Policy

September 21, 2018 | Craig F Stanovich

Liability Insurance

Some Common Coverage Misconceptions of the CGL Policy

September 21, 2018 | Craig F Stanovich

Liability Insurance

Faulty Work and the CGL

June 22, 2018 | Craig F Stanovich

Liability Insurance

Contractual Liability and the CGL Policy

April 27, 2018 | Craig F Stanovich

Liability Insurance

Commercial Umbrellas and the Demand for Primary and Noncontributory

July 14, 2017 | Craig F Stanovich

Liability Insurance

Coverage Gaps Created by Exclusionary Endorsements

April 13, 2017 | Craig F Stanovich

Liability Insurance

Additional Insured Issues 2016—Part Two

December 16, 2016 | Craig F Stanovich

Liability Insurance

Additional Insured Issues 2016—Part One

September 16, 2016 | Craig F Stanovich

Liability Insurance

Pennsylvania Adopts "First Manifestation Rule" as the CGL Coverage Trigger

July 03, 2015 | Craig F Stanovich

Liability Insurance

The Duty To Defend—Groundless, False, or Fraudulent

December 06, 2014 | Craig F Stanovich

Liability Insurance

The Montrose Endorsement—15 Years Later

September 01, 2014 | Craig F Stanovich

Liability Insurance

The "Your Work Exclusion"—A Curious View

June 01, 2014 | Craig F Stanovich

Liability Insurance

The CGL and the Professional Liability Exclusion

April 01, 2014 | Craig F Stanovich

Liability Insurance

Subrogation and the CGL Policy

December 01, 2013 | Craig F Stanovich

Liability Insurance

Broad Form Property Damage—A Look Back

September 01, 2013 | Craig F Stanovich

Liability Insurance

Selling Your Premises—Does CGL Coverage Apply after the Sale?

June 01, 2013 | Craig F Stanovich

Liability Insurance

The 2013 Edition of the CGL Policy

March 01, 2013 | Craig F Stanovich

Liability Insurance

The Claims-Made CGL Policy

November 01, 2012 | Craig F Stanovich

Liability Insurance

Contractual Liability Exclusion—The Ball Is in Your Court

June 01, 2012 | Craig F Stanovich

Liability Insurance

Punitive Damages—Setting an Example

June 01, 2012 | Craig F Stanovich

Liability Insurance

Is an Occurrence the Bodily Injury or Property Damage?

December 01, 2011 | Craig F Stanovich

Liability Insurance

Additional Insured Status—Automatic or Wet Blanket?

October 01, 2011 | Craig F Stanovich

Liability Insurance

Legal Separation—The Severability Test in the CGL

June 01, 2011 | Craig F Stanovich

Liability Insurance

The Increasingly Complex CGL Policy

January 01, 2011 | Craig F Stanovich

Liability Insurance

Pay Me Back! Reimbursement of Defense Costs in the CGL

October 01, 2010 | Craig F Stanovich

Liability Insurance

The Recall Expense Exclusion—When Your Ship Does Not Come In

July 01, 2010 | Craig F Stanovich

Liability Insurance

The Impaired Property Exclusion

April 01, 2010 | Craig F Stanovich

Liability Insurance

A High-Level View of the CGL Policy

January 01, 2010 | Craig F Stanovich

Liability Insurance

OCP Liability versus Additional Insured Coverage

October 01, 2009 | Craig F Stanovich

Liability Insurance

Contractual Confusion—Assuming the Liability of Others

July 01, 2009 | Craig F Stanovich

Liability Insurance

Other Insurance and the CGL Policy

April 01, 2009 | Craig F Stanovich

Liability Insurance

Trigger Theories and the CGL

December 01, 2008 | Craig F Stanovich

Liability Insurance

Care, Custody, or Control Exclusion in the CGL

October 01, 2008 | Craig F Stanovich

Liability Insurance

CGL Insurance 2007 Edition—A Summary of Changes

June 01, 2008 | Craig F Stanovich

Liability Insurance

I Did Not Expect That! The CGL Exclusion for Expected or Intended Injury

March 01, 2008 | Craig F Stanovich

Liability Insurance

Raising the Bar—The Liquor Liability Exclusion in the CGL

January 01, 2008 | Craig F Stanovich

Liability Insurance

When Workers Aren't Employees

September 01, 2007 | Craig F Stanovich

Liability Insurance

In Defense of Insured Contracts

July 01, 2007 | Craig F Stanovich

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Liability Insurance

Additional Insured Endorsements—A Potential Minefield (Part 3)

March 01, 2006 | Craig F Stanovich

Liability Insurance

Additional Insured Endorsements—A Potential Minefield (Part 2)

February 01, 2006 | Craig F Stanovich

Liability Insurance

Additional Insured Endorsements—A Potential Minefield (Part 1)

January 01, 2006 | Craig F Stanovich

Liability Insurance

Auto versus Mobile Equipment in the 2004 CGL—An Update

October 01, 2005 | Craig F Stanovich

Liability Insurance

CGL—Fire Legal

April 01, 2005 | Craig F Stanovich

Liability Insurance

CGL—Covered Locations

December 01, 2004 | Craig F Stanovich

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Liability Insurance

Additional Insured Changes in the CGL

May 01, 2004 | Craig F Stanovich

Liability Insurance

Known Injury or Damage

October 01, 2003 | Craig F Stanovich

Liability Insurance

When Is an Insured Not an Insured?

June 01, 2003 | Craig F Stanovich

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Liability Insurance

Duty To Defend in the CGL Policy

August 01, 2002 | Craig F Stanovich