The sad reality of life is that hotels have become common places where human trafficking occurs. The traffickers often pick these places to provide their services to escape detection. Human trafficking is a major concern for law enforcement. When victims can escape...
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Insurance Coverage Planning
Bad Faith Insurance: A Public Policy Right?
What happens when your insurance company wants to use out of state law to completely cut off your right to coverage? That’s exactly the situation a California insured found herself in when her insurance company tried to use an Illinois choice of law provision that it...
Yahoo! Case Highlights Issue Of Ambiguity In Insurance Policies
A current California case is being watched closely by those in the insurance industry because it may bring much needed clarity to the coverage afforded by standard CGL policies for “personal and advertising injury” (or Coverage B as it is sometimes known). Unlike...
Three Important Things to Remember About CGL Insurance Coverage on Construction Projects
Virtually every contractor has found itself staring at its own commercial general liability (CGL) insurance policy—perhaps with the same feeling one might have staring at a technical manual written in a foreign language. Such a contractor might think its experience...
Lawsuit alleges excess insurer failed to honor policy obligations
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...
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...