When two become one, who’s really liable? In this episode of Scandals: Insurance Uncovered, Amy and Theresa unravel the tangled world of joint ventures in construction and the insurance chaos that often follows. From surprising court decisions to critical contract language mistakes, this episode is a must-listen for anyone working with complex project structures.

Key Takeaways:

• The surprising reason why joint venture partners might BOTH be liable, whether they know it or not.
• How poorly worded AI endorsements can lead to years of litigation (and who really foots the bill).
• Real-life case studies including Travelers v. Harleysville and the hilariously named Bacon Construction case.
• Why defense costs can sometimes exceed the value of the claim itself and how to protect against it.
• The one contract clause that could save your company from a coverage nightmare.

Don’t let your next JV become a financial fiasco! Tune in now!

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Resourcesfrom this Episode:

Bacon Construction Co Inc v Ohio Security Insurance Co

Westfield Insurance Company v WalshK-Five JV

Travelers Property Casualty Company of America v Harleysville Insurance Company of New York

Resources are provided for educational purposes only and may not represent the most current version of these forms. Always consult your broker or carrier for current policy language.

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Have a burning insurance question or a case you want us to dissect? We're all ears! Submit your topics, cases, or any areas of interest, and let our hosts dive into the details. Reach out to us directly—your suggestion could be featured in an upcoming episode!

Reach us directly at ⁠⁠scandalsinspod@gmail.com⁠⁠

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Connect with our hosts: Theresa Guertin & Amy Lamb

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You think your general liability policy has you covered… until it doesn’t.

In this episode of Scandals: Insurance Uncovered, Amy and Theresa unravel the often-overlooked (but highly consequential) world of professional liability exclusions. From shop drawings and design assist work to vague carrier language that leaves too much room for denial, they reveal how even the most routine construction tasks can trigger unexpected exclusions.

You’ll learn:

• What actually counts as a “professional service” (and why the answer might surprise you)
• How to spot the fine print in ISO forms CG 2279 vs. CG 2243
• Why exclusions from carriers like Hanover and Hartford are making brokers nervous
• Real trade examples where seemingly covered work crosses into exclusion territory
• The questions brokers should be asking when writing policies for contractors

If you’re in the business of reviewing policies, managing risk, or just trying to keep your coverage airtight—this episode is your new secret weapon.

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Resources from this Episode:

ISO CG 22 79 04 13

ISO CG 22 43 04 13

Hanover professional liability exclusion

Hartford BOP policy exclusion

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Have a burning insurance question or a case you want us to dissect? We're all ears! Submit your topics, cases, or any areas of interest, and let our hosts dive into the details. Reach out to us directly—your suggestion could be featured in an upcoming episode!

Reach us directly at ⁠⁠scandalsinspod@gmail.com⁠⁠

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Connect with our hosts: Theresa Guertin& Amy Lamb

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Review our show on Spotify or Apple Podcasts.

In this episode of Scandals: Insurance Uncovered, hosts Theresa Guertin and Amy Lamb return to untangle the next layer of additional insured (AI) endorsements. From broad form ISO endorsements like CG 2033 and CG 2038 to custom manuscript nightmares, they explore how language, privity, and policy design can make or break your coverage.

Whether you're an insurance pro, broker, or risk manager, this episode offers a deeper look into how endorsements affect ongoing vs. completed operations, contractual risk transfer, and the true meaning behind "blanket additional insured." Spoiler alert: It's not always what it seems.

You'll learn:

• The real difference between CG 2033, CG 2038, CG 2040, and CG 2039
• How privity requirements can leave insureds uncovered
• Why some manuscript endorsements are like playing Chutes and Ladders with your policy
• What courts have said (and not said) about blanket AI forms
• Red flags to watch for in policy schedules and contract language

Tune in and uncover the hidden traps in your endorsements—before they slide your client straight into a claim denial.

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Resources from this Episode:

CG 2033 07 04 – Broad Form Additional Insured Endorsement (Ongoing Operations)

CG 2038 12 19 – Broad Form AI Endorsement expanding beyond privity

SDV Law White Paper on State Farm AI Endorsements

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Have a burning insurance question or a case you want us to dissect? We're all ears! Submit your topics, cases, or any areas of interest, and let our hosts dive into the details. Reach out to us directly—your suggestion could be featured in an upcoming episode!

Reach us directly at ⁠⁠scandalsinspod@gmail.com⁠⁠

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Connect with our hosts: Theresa Guertin& Amy Lamb

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⁠⁠linkedin.com/in/amy-lamb-ba948528/⁠⁠

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Review our show on Spotify or Apple Podcasts.

*EPISODE AUDIO DISCLAIMER*

As we continue to refine our recording process and optimize the sound quality of Scandals: Insurance Uncovered, you may notice some occasional audio pops, echoes, or jumbled moments in this episode. We appreciate your patience and understanding as we fine-tune our setup to bring you the best content possible.

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Scandals: Insurance Uncovered is back in 2025, kicking off the year with a deep dive into some of the most misunderstood—and litigated—exclusions in general liability insurance: J, K, and L.

What do these cryptic letters really mean in a CGL policy? And more importantly, what coverage nightmares do they create for policyholders? Join hosts Amy and Theresa as they dissect these exclusions, uncover real-life implications, and explore why courts across the country are still fighting over them.

In this episode, we explore:

• What J, K, and L actually exclude—and why they matter so much in construction insurance
• How ‘that particular part’ creates coverage confusion and what it means in practice
• The ongoing legal battles over these exclusions—with a special focus on New York case law
• How courts interpret ‘occurrence’ and the impact on coverage for faulty work
• Why general contractors should care about the ‘subcontractor exception’ in Exclusion
• Strategies to mitigate risk—including endorsements that can prevent coverage denials

Whether you're an insurance professional, contractor, or legal expert, this episode will sharpen your understanding of these infamous exclusions and their impact on real-world claims.

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Have a burning insurance question or a case you want us to dissect? We're all ears! Submit your topics, cases, or any areas of interest, and let our hosts dive into the details. Reach out to us directly—your suggestion could be featured in an upcoming episode!

Reach us directly at ⁠⁠scandalsinspod@gmail.com⁠⁠

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Follow the Scandals: Insurance Uncovered Podcast:

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Connect with our hosts: Theresa Guertin & Amy Lamb

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⁠⁠linkedin.com/in/amy-lamb-ba948528/⁠⁠

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Review our show on Spotify or Apple Podcasts.

Welcome back to Scandals: Insurance Uncovered! In this episode, Theresa and Amy unpack the excitement, insights, and yes—scandals—they experienced at the annual IRMI Construction Risk Conference in sunny San Diego this October. From lively panels to ice sculpture mishaps, this episode has it all!

Tune in as your favorite insurance insiders discuss key industry trends, share behind-the-scenes stories, and reflect on the unique opportunities conferences like IRMI provide for connection and collaboration.

The Highlights of IRMI 2024: Key panels, discussions, and standout presentations, including a rare all-female panel led by Theresa’s colleague.

Networking at its Best: The importance of face-to-face meetings and how many companies, including CR Solutions, approach conferences differently.

The Ice Sculpture Incident: A rooftop party mishap you won’t believe!

The Rise of Data Centers: Exploring construction trends and the insurance implications for these high-value projects.

AI in Insurance: From artificial intelligence to additional insureds, how technology is shaping the industry.

Women in Insurance: The impact of initiatives like SDV’s Women’s Happy Hour and the importance of representation in the field.

Looking Ahead: A teaser of the next episode on GL policies, J, K, and L exclusions, and their connection to builders’ risk coverage.

If you're an insurance enthusiast, conference-goer, or just curious about the lighter (and occasionally scandalous) side of the industry, this episode offers a perfect blend of insightful discussion and entertaining stories.

Don’t forget to subscribe, leave a review, and email us your thoughts or questions!

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Resources from this Episode:

The Insurance Insider: https://www.insuranceinsider.com/

Insurance Tracking: https://c-r-solutions.com/top-5-insurance-tracking-administrators/

Learn more about Ann Hickman: https://www.irmi.com/biographies/ann-hickman

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Have a burning insurance question or a case you want us to dissect? We're all ears! Submit your topics, cases, or any areas of interest, and let our hosts dive into the details. Reach out to us directly—your suggestion could be featured in an upcoming episode!

Reach us directly at ⁠⁠scandalsinspod@gmail.com⁠⁠

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Connect with our hosts: Theresa Guertin & Amy Lamb

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Review our show on Spotify or Apple Podcasts.

Have you missed us? Find us at IRMI CRC 2024 in beautiful San Diego, CA!

In this eye-opening episode of Scandals: Insurance Uncovered, hosts Theresa and Amy delve deep into the complex world of New York labor law and the infamous labor law exclusions that haunt contractors and insurance professionals alike. Join the hosts as they break down the origins of these laws, explore their modern-day impact, and uncover the shocking rise in fraudulent claims. This episode provides historical context and real-world scenarios, offering invaluable insights for contractors, general contractors, and insurance experts.

Topics Covered:

• History of New York Labor Law Exclusions: How labor laws, originating in 1885, continue to affect contractors today.
• Strict Liability and Non-Delegable Duty: The unique challenges contractors and general contractors face under New York's labor laws.
• Action Over Exclusions: What they are, how they appear in insurance policies, and why they are so feared in the industry.
• Fraudulent Claims: A rise in fraudulent action over claims, and how some cases have led to multimillion-dollar verdicts.
• Legal Recourse and Insurance Strategies: Navigating coverage disputes and understanding the long-term impacts of labor law exclusions on businesses.
• Impact on Property Values and Rent in New York: A surprising connection between insurance costs and rising living expenses in the state.
• Tips for Spotting Action Over Exclusions: How to identify and address these exclusions in insurance policies before they put your business at risk.

Join us as we uncover the hidden dangers in labor law exclusions and discuss their lasting effects on the construction industry!

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Have a burning insurance question or a case you want us to dissect? We're all ears! Submit your topics, cases, or any areas of interest, and let our hosts dive into the details. Reach out to us directly—your suggestion could be featured in an upcoming episode!

Reach us directly at ⁠⁠scandalsinspod@gmail.com⁠⁠

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Follow the Scandals: Insurance Uncovered Podcast:

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Connect with our hosts: Theresa Guertin & Amy Lamb

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⁠⁠linkedin.com/in/amy-lamb-ba948528/⁠⁠

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Review our show on Spotify or Apple Podcasts.

In this info-packed episode of Scandals: Insurance Uncovered, insurance experts Amy Lamb and Theresa Guertin dive deep into the mysterious world of insurance exclusions and their far-reaching impact on the construction industry. With their signature blend of humor and expertise, they uncover the often-overlooked fine print in policies that can lead to costly mistakes.

Topics Covered:

• The dangers of scope of work exclusions in construction insurance.
• Real-world examples of classification codes and how they can undermine coverage.
• Insights into business classification exclusions and their hidden pitfalls.
• Shocking case studies, including a courier-turned-security guard who faced a wrongful death lawsuit.
• Common but confusing exclusions like height and snow removal limitations.
• The importance of vetting subcontractors and the risks of hard hammer clauses.
• How historical events shape modern insurance policies (e.g., terrorism, COVID-19 exclusions).

Join Amy and Theresa as they shed light on these complex but critical issues, offering practical advice for navigating the murky waters of construction insurance.

Listeners will walk away with a better understanding of how to protect their projects and avoid common exclusions that could leave them vulnerable. Tune in for an episode packed with actionable insights and real-world examples that underscore the importance of reading the fine print!

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Resources from this Episode:

• SDV Insight Article “Top 10 List of Scariest Insurance Policy Terms” by Theresa A. Guertin: Read the full article here!

We always suggest tuning into sdvlaw.com/Insights for the latest legal insurance updates in the industry!

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Have a burning insurance question or a case you want us to dissect? We're all ears! Submit your topics, cases, or any areas of interest, and let our hosts dive into the details. Reach out to us directly—your suggestion could be featured in an upcoming episode!

Reach us directly at ⁠⁠scandalsinspod@gmail.com⁠⁠

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Follow the Scandals: Insurance Uncovered Podcast:

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Connect with our hosts: Theresa Guertin & Amy Lamb

⁠⁠linkedin.com/in/theresaguertin/⁠⁠

⁠⁠linkedin.com/in/amy-lamb-ba948528/⁠⁠

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Review our show on Spotify or Apple Podcasts.