Railroad Protective Liability


By Allison McGreal, Assistant Vice President A typical Commercial General Liability Policy will exclude contractual liability which “indemnifies a railroad for bodily injury or property damage arising out of construction or demolition operations within 50 feet of any ra...


EPA Regulations for Underground Storage Tanks


By Michelle Huitt-Megela, Assistant Vice President All tank owners should be familiar with the UST regulation (40 CFR Part 280) because it defines the Financial Responsibility of each tank owner as it pertains to their underground storage tanks (USTs). This regulation was...


Why You MUST Examine Retro Dates on an Account


By Vonnie Nuce, Senior Underwriter A retroactive date may be defined as: A provision found in many claims-made policies that eliminates coverage for claims produced by wrongful acts that took place prior to a specified date, even if the claim is first made during the poli...

A Closer Look: Lost Key Coverage Endorsement


By Chris Reilly, Underwriting Service Manager Imagine your insured’s customer has provided the insured with keys to their building where the project is taking place. Upon arrival it becomes apparent that the keys are nowhere to be found. It is later discovered a hole in...