Been fighting a lot lately with the general contractors that my subs have contracted with. One example - Client has broad form AI that has the normal verbal about Any person that you have agreed by written and signed contract will be an Additional Insured. As recommended by many E&O attorneys we...

When my client originally quoted the job, they weren't told about the OCIP. SO after awarded the job, my client was sent the OCIP paperwork. In my opinion if they had originally known that the OCIP was in place, they could have bid higher and then if awarded the work, they would have had room to giv...

Ok to start off with yes I understand the claims efficiency, etc. that an OCIP brings to the table. My question is the credit that a subcontractor might give to an OCIP. If the General Contractor wants to have an AI status, the subcontractors insurance company limits are still at risk. So why should...

I brought up the 1099 as an issue where the contract owner would think that any WC policy would be covering a worker that the contract owner would see on the job. I was just wondering what people thought of the arrangements. Our State Workers Insurance Fund may have something for the guy but there a...

This morning I had a health insurance customer call me and ask what I think about a situation. My health insurance customer is a plumber and has never had an employee. One of the contracts that he wants to sign requires he send a WC COI to them proving he has WC coverage. His Erie agent said that fo...

I just went round and round with a third party certificate management company. I kept getting a response from them that said The General Aggregate Limit must apply on a Per: Project/Location basis. Hm? It exists and I had already sent a copy of the Endorsement so just in case they didn't receive the...

I read all contracts and I also read the one in question. It is an AIA A401contract and all insurance requirements are met. The request for who is to be named Holder is fluff and not a contractual obligation. My State DOI has an informational piece that writes what a COI does and doesn't do. Sometim...

I was hoping you would respond because I remember you work for a hospital. The person requesting the COI is a large national construction company with const companies that work under different names. I called the Const company to voice my concerns and we reached a decision for cert holder. 1. Add th...

I recently received a requests to send certs to a third party administrator of certs. I prepared the cert and accompanying package of endorsements as I always do. I received an e-mail back saying that the WC doesn't meet statutory requirements. Hm? The contract requirement is 100/500/100. My client ...

You don't see the big picture do you. If I could use charts to show the labor capital / labor efficiency problem that is coming I would do it for You. Just as the laws of kinetics says that it is impossible to reach 100% efficiency it is also impossible to reach 100% economic efficiency. To do so wo...

Solidifies my belief that most insurance companies selling auto & home are nothing more than street walkers and if they can save a dime, they will sell you out in a heartbeat. Years ago I used to argue with people who spoke about economies benefited from cutting out the middle man. I'd ask who i...

Ha ha! I'm laughing because I get COI samples from the GC showing how I am to write the COI. I kindly send them a note about Accord's rules / copyright and that COI that they are showing as a sample, the one with a date of 2009....well Accord would have a problem with it. Finally after years and yea...

Well I don't know but the State I live in a State that has anti-indemnity statutes but I read contracts that pretend otherwise. SO reading that you only care about "your" employer makes me wonder, do people in your position care about State statute, about good public policy or just to have...

I know several Nationwide owners and I don't think they've ever considered Nationwide to be a big player in the commercial arena. AO and HO yes, with some life but commercial.....I wouldn't call them a commercial player. Good afternoon everyone, I'm in Birmingham, AL, new to Insurance Journal and ha...

The idea was not mine, it was from something read from the legal firm Niles, Barton & Wilmer and was mentioning a PA Superior Court case. Yep it is heading more and more into the throw the crap against the wall and see if it sticks mentality of risk transfer. The problem is that the court cases ...