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The Rough Notes Company Inc.

Commercial Lines

    THE LONGEST EXCLUSION

THE LONGEST EXCLUSION

THE LONGEST EXCLUSION It’s not okay to ignore this (significant) part of the general liability policy Why is it that the longest exclusion in the general liability (GL) policy is totally ignored in insurance program designs by so many insurance practitioners, lawyers, and lenders? In my mind, the answer has as many facets as a diamond. As a full-time specialist broker in environment insurance for more than 35 years, I’ll

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    SPECIAL COVERAGE FOR SPECIAL EVENTS

SPECIAL COVERAGE FOR SPECIAL EVENTS

Special coverage for special events Ample capacity ready to take on growing risks The rampage that left one dead and 22 wounded at a New Jersey art festival in June only briefly registered on the national news. The casualty count was far less than what Americans have become almost accustomed to seeing in mass shootings; the shooting had no known connectionto terrorism or any international threat, and the victims were

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    COMMERCIAL UMBRELLA INSURANCE

COMMERCIAL UMBRELLA INSURANCE

COMMERCIAL UMBRELLA INSURANCE So far, big losses aren’t creating big changes in the market Inits look at general liability insurance trends for 2018, Liberty Mutual points out that GL losses continue to rise, challenging businesses across a variety of industries. “For the past four years,” the firm says in a Viewpoint posting, “the combined ratio for U.S. carriers writing GL has been over 100%, reaching almost 108% in 2017.” The

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    Reefer to Company: Product Liability Considerations for the Cannabis Industry

Reefer to Company: Product Liability Considerations for the Cannabis Industry

Understanding issues lets agents help clients address risks The greatest threat to the cannabis industry—even bigger than the threat of federal seizure and prosecution—is the ever-increasing potential for product liability claims and litigation. Defective and contaminated products are inevitable, and plaintiffs’ attorneys are on the lookout. Nevertheless, cannabis product liability risks may be minimized with industry-specific knowledge, appropriate planning, and specialized insurance programs. Agents and brokers who understand the issues

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    WORKERS COMPENSATION

WORKERS COMPENSATION

Less is more as reforms start to take hold Kathy Antonello had good news  to report about workers compensation insurance in her “State of the Line” presentation at the recent Annual Issues Symposium of the National Council on Compensation Insurance (NCCI), the nation’s leading statistical and rating organization for workers comp. Despite a small decline in workers comp premium from 2016 to 2017, Antonello, the NCCI’s chief actuary, could point

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