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(888) 540–7604, ext. 102

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

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

Principal


Craig 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.

With over 47 years of experience in the risk and insurance industry, including 5 years as an underwriter for a national insurer and 15 years as an executive for a regional insurance broker, he specializes in most aspects of commercial insurance. He has practical, in-depth experience in several areas, including real estate, construction, and transportation risk management and insurance.

Mr. Stanovich is a regular contributor to various international, national, and local publications. He has served as an expert commentator on general liability insurance for IRMI since 2002. He continues to provide litigation support to the legal community as an expert witness or consultant in cases involving insurance custom and practice, as well as complex insurance coverage issues.

He has served as president of the Central Massachusetts Chapter of Chartered Property Casualty Underwriter (CPCU) and as a past chairman of the Board of Governors of the Society of Certified Insurance Counselors in Austin, Texas. He is also a national faculty member of the Society of Certified Insurance Counselors and speaks throughout the country on various commercial insurance topics.

Mr. Stanovich graduated from Bridgewater State University with a bachelor of science degree in education and holds the Associate in Underwriting (AU), CPCU, Certified Insurance Counselor (CIC), and Certified Risk Manager (CRM) professional designations. He is a Licensed Insurance Advisor in Massachusetts and also holds a producer's license in a number of states. He is involved in his community and has served 7 years on the Town of Holden Finance Committee and 6 years on the Town of Holden Planning Board. He is involved with St. Francis Church in Holden, Massachusetts, where he is currently serving as a warden.


Articles

Liability Insurance

Landlord as an Insured

July 22, 2025 | Craig F Stanovich

Liability Insurance

Duty to Defend in the CGL Policy

July 11, 2025 | Craig F Stanovich

Liability Insurance

CGL—Fire Legal

March 28, 2025 | Craig F Stanovich

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

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 2

December 16, 2016 | Craig F Stanovich

Liability Insurance

Additional Insured Issues 2016—Part 1

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

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—Covered Locations

December 01, 2004 | Craig F Stanovich

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