A major fire or other disaster can leave more than damaged building materials behind. You may also face the high cost of clearing debris before rebuilding can begin. Many builders and property owners expect their builder's risk insurance to cover those expenses....
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Anti-Concurrent Causation Clauses in California Builder’s Risk Insurance
A storm rolls through your job site. Wind tears at the framing while runoff floods the excavation. Days later, your insurer denies the whole builder's risk claim because of one clause buried in the policy. What an anti-concurrent causation clause does An...
What should businesses know about overlapping insurance coverage?
A single major loss can already create stress for your business. Things can feel even more confusing when more than one insurance policy may cover the same event. Overlapping coverage often happens when you carry different policies that touch the same risk. A cyber...
How AI tools may affect business insurance coverage
Your business may use more artificial intelligence (AI) tools today than it did a year ago. Companies now use AI for customer service, scheduling, data review and other daily tasks. As AI use grows, more claims now involve cyber events, data leaks and vendor problems....
Overcoming the late notice defense to an insurance claim
Insurance companies generally need to know about property defects and recent damages to investigate claims. Insured businesses typically should provide prompt notice about incidents that damage their facilities, interrupt projects and necessitate an insurance claim....
The ensuing loss doctrine can affect property insurance claims
Developers erecting new housing on vacant land or helping commercial property owners fulfill the terms of a build-to-suit lease are at constant risk of losses. Inclement weather, fires that start elsewhere and even mistakes by employees can lead to damaged equipment,...
What happens if a builder’s risk claim is denied?
Builder’s risk insurance is offered as a way to protect a construction project while it’s still ongoing, but that doesn’t mean that collecting the benefits will be easy if a claim is necessary. These policies often contain technical language and very narrow terms,...
Tender Obligations and the Cost of Delayed Notice
Insurance recovery disputes worth millions of dollars often turn on steps that seem routine. However, a flawed or delayed tender can, in worst-case scenarios, jeopardize your coverage entirely. Knowing how the law addresses this issue can help protect your business...
What to do when your insurer demands an examination under oath?
If you file an insurance claim in California, your insurance company may ask you to attend an Examination Under Oath (EUO). This is a formal meeting where the insurer asks you questions about your claim. While it can feel scary, knowing your rights under California...
Understanding duty to defend vs. duty to settle: Key differences
Parties rely on duty to defend and duty to settle for claim rights during disputes. These two phrases carry very different meanings, even though they sound similar. For California businesses, the distinction can shape the outcome of a claim. What the duty to defend...