Demystifying Subscription Policies

Demystifying Subscription Policies

Demystifying Subscription Policies What in the world is a subscription policy? In a nutshell, it is a policy where two or more insurance companies agree to rating and coverage, at a split percentage between the insurers, to total one hundred percent of the required...
The Sharing Economy and Insurance

The Sharing Economy and Insurance

Experts agree that the sharing economy is expected to grow, and as it does, it will continue to challenge industries, including the p&c insurance industry. Join us as we discuss the sharing economy with respect to automobile (ridesharing versus car sharing) and...
Employment Practices Liability

Employment Practices Liability

Employee lawsuits are becoming more and more common in the workplace. Employment Practices Liability Insurance (EPLI) focuses on financial loss resulting from discrimination, harassment, wrongful termination, and other employment-related claims not covered by WSIB....
Environmental Impairment Liability

Environmental Impairment Liability

Pollution exclusions are challenging to even the seasoned insurance professional. It all starts with understanding the Pollution Exclusion under the CGL. The CGL policy provides very little pollution coverage, particularly in the area of cleanup or remediation, which...
Social Host Liquor Liability

Social Host Liquor Liability

Liquor consumption in social settings can increase the exposures for liability insurers, both in commercial settings and in homes. Insurance professionals from brokers, to underwriters to adjusters, must balance between confirming coverage and exclusions....