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June 27, 2017

Exploring The Contractual Liability Exclusion, Part II

In a previous post, we took a closer look at why contractual liability and insured contracts matter. We explored contractual liability and the CGL policy, the hold harmless and indemnity agreement, and we demonstrated how to pull all of the pieces together with insurance tracking services.

But that’s not the end of contractual liability. In today’s post, we’ll take a look at the little known exclusion and how it can remove this coverage, but most importantly, how your organization can remain protected.

June 22, 2017

A Closer Look at Why Contractual Liability and Insured Contracts Matter, Part I

Contractual liability, including endorsements and exclusions, can be a very misunderstood topic in the insurance world—especially for organizations and administrators that have to deal with these topics without having an insurance background. Throw in the complexities of insured contracts and things get even more confusing. In this article, we’ll take a closer look at contractual liability and the CGL policy and then we’ll dig into how that relates to insured contracts. First, let’s take a look at contractual liability and the CGL policy.

June 20, 2017

Agents:  Help Your Contractors Pay Attention to Risk Transfer, A Guest Contribution from Eric Richter of Western Pacific Insurance Network.

With origins dating back to 1918, Western Pacific Insurance Network, Inc is the premier specialty wholesale insurance broker in the Rocky Mountain Region.  As Vice President of Marketing for Western Pacific Insurance Network, Eric Richter is a foremost authority on the importance of, and the challenges that come with, helping clients achieve and maintain world class risk management programs. Click here to learn more about Western Pacific Insurance Network Inc., or contact Eric directly at


We all know the challenges of insuring contractors. In many states, the construction industry is begging for legislative reform.  However, what are contractors doing in practice to make their case for changes?   How are agents helping their contractor clients be more attractive to an insurer?  Too often, the costs of construction defect claims are overly inflated and a large reason is improper risk transfer between contractors and their subcontractors.  The concepts to improve risk transfer processes are simple and assisting your clients with these processes can go a long way.