Stanovich 2017 (400x400)

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


Craig Stanovich writes on liability insurance policy issues for

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 ( 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
Jan 2023 Coverage Challenges in CGL Insuring Agreements
Sep 2022 The Auto Exclusion in the CGL Policy
Jul 2022 Do Trade Names Limit CGL Coverage?
Mar 2022 Subsidence Exclusion in the CGL Policy
Dec 2021 Auto versus Mobile Equipment in the CGL
Jun 2021 Loss of Use as Property Damage
May 2021 The CGL Pollution Exclusion
Apr 2021 Employers Liability Exclusion in the CGL Policy
Sep 2020 Commercial Umbrella—Exhaustion of the Underlying Insurance
Jun 2020 The Coronavirus and the CGL Policy
Jan 2020 Commercial Umbrella Policy—A Few Things To Consider
Nov 2019 The ISO Classification System and the CGL Policy
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
Jul 2015 Pennsylvania Adopts "First Manifestation Rule" as the CGL Coverage Trigger
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?
Aug 2002 Duty To Defend in the CGL Policy
 2023 IRMI Emmett J Vaughan Agribusiness Conference (AgriCon)

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