Excess or umbrella insurance is an essential risk mitigation component for any successful business. Whether the nature of your business’s operations, the potential for catastrophic loss or the threat of frequent litigation, excess or umbrella insurance can provide a...
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How Do Courts Look at “Professional Services” for Insurance Purposes?
Imagine you are a licensed HVAC (heating, ventilation, air conditioning) contractor and you own your own business. You have a great reputation in the community and often work with general contractors on new, ground-up construction projects. You’ve been extremely...
Climate Change and The Impact on Construction Projects
As we head toward the end of another summer, we have seen portions of Southern California hit hard by various weather events. Some cities struggled with high temperatures, while other locations dealt with numerous floods due to a rather active monsoon season. These...
HOA Case Examines Insurer’s Duty to Defend
Last year, a case in California discussed when an insurance company has an obligation to defend HOA board members and, more specifically, HOA Board members appointed by the project developer. It is quite common for developers, when building projects involving the...
Clinical trials insurance: What it is and who needs it
Before the Food and Drug Administration approves a new drug or medical device, researchers evaluate the drug or device by conducting clinical trials. The trials are the primary way for researchers to learn if their drug or device is safe and effective in people....
Does Your Hotel or Hospitality Operation Have the Right Insurance?
A business takes a lot of work to keep running smoothly. Coordinating the various management, vendor and other teams involved in operating and maintaining any hospitality operation can be a complicated and ever-changing effort to mitigate risk. While you are...