We all have a basic expectation that the conversations we have in private with our spouses or significant others will remain private. When those conversations are intercepted or recorded and distributed without permission, it can be a very traumatic experience. Many...
As a business owner, you know all-too-well that the cost of doing business has skyrocketed over the past three years. No matter what industry you are in, the bottom line is that it is going to cost more to complete your projects than it has in the past. Whether due to...
In early February, a Norfolk Southern Railway train derailed in East Palestine, Ohio. Several of the cars on the train contained toxic chemicals, and officials evacuated the immediate area due to potential concerns after the accident. One particular chemical, vinyl...
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...
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...
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...
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...
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...
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...
In 2021, the Champlain Towers South, a 12-story condo building, collapsed, resulting in nearly 100 deaths. The tragedy took a tremendous toll on many families in the region and resulted in an extensive investigation to determine the reasons for the collapse. As the...