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Environmental Exposure Scenarios

Environmental Exposure Scenarios

Scenario 1: An office building had a clogged drain, and a staff member used chemicals to unclog the drain, sending noxious fumes through the HVAC system. RELATED STATS: Companies within the building may need to close for the day, losing out on a day’s worth of business. There may also be costs associated with hiring professionals to unclog the drain…

Webinar: Hospitality Insurance – Market Conditions, Liquor Liability, and Risk Management Strategies

Webinar: Hospitality Insurance – Market Conditions, Liquor Liability, and Risk Management Strategies

Hospitality risks remain among the most challenging classes to place due to evolving liability exposures, capacity constraints, and varying underwriting requirements across jurisdictions and risk profiles. In this webinar, Burns & Wilcox experts discuss market conditions, Liquor Liability, and emerging exposures such as CBD and THC beverages, virtual reality venues, guest safety risks, and vacation rentals. They also share risk management best practices and submission strategies that…

Crane Collapses at YMCA Construction Site, Narrowly Missing Driver

Crane Collapses at YMCA Construction Site, Narrowly Missing Driver

Inside This Article: A recent crane collapse at a Fort Lauderdale YMCA construction site sent equipment partially into the road just feet from a passing driver. Improperly secured loads, inadequate crane stabilization, loads near or above capacity, and wind are among the most common conditions that contribute to crane incidents. Damage to the project or surrounding property can lead to costly…

Construction Exposure Scenarios

Construction Exposure Scenarios

Scenario 1: A construction company is facing a $10 million lawsuit from a global biotech firm alleging faulty workmanship at its manufacturing facility caused extensive water leaks, mold, and structural issues. RELATED STATS: This is an example that water damage is not always caused by weather. The National Association of Insurance Commissioners indicates that non-weather-related water damage for commercial properties…

Taco Bell Lawsuits Mount After Cyclospora Outbreak

Taco Bell Lawsuits Mount After Cyclospora Outbreak

Inside This Article: A nationwide cyclosporiasis outbreak reportedly involving Taylor Farms lettuce served at Taco Bell has prompted multiple lawsuits. The outbreak has surpassed 22,000 confirmed or suspected cases across 47 states. Products Liability Insurance can help protect businesses against covered claims alleging bodily injury caused by contaminated food. Companies that produce or sell food are also encouraged to purchase Product Recall Insurance and review documentation protocols and…

P&C Report: 2026 Q3 Outlook

P&C Report: 2026 Q3 Outlook

Key Takeaways Rate trends are diverging across the Property & Casualty (P&C) marketplace, with rapidly decelerating Property pricing and continued moderation in most Liability lines. Property market conditions continue to improve, supported by recent mild catastrophe activity and favorable outcomes from the July 1 reinsurance renewals, although pricing and capacity remain highly sensitive to regional weather patterns and future catastrophic events. …

Back-to-Back Warehouse Fires Expose Environmental Liability Risks

Back-to-Back Warehouse Fires Expose Environmental Liability Risks

Inside This Article: Two major warehouse fires that erupted in California within the span of a week caused significant physical damage and raised environmental concerns. Officials are investigating the causes of both fires as cleanup efforts move forward. Property damage, business interruption, and environmental impacts can be covered by insurance policies including Commercial Property Insurance and Site Pollution Liability Insurance. Accurate property…

Webinar: P&C Market Outlook – Q3 2026

Webinar: P&C Market Outlook – Q3 2026

Softening Property rates, catastrophe exposures, and evolving underwriting priorities are creating new challenges and opportunities across the insurance marketplace. Watch the Q3 2026 P&C Market Outlook recording for expert insights on: Property market conditions and weather-driven trends Casualty market competition and changing carrier appetite Professional Liability developments, including Cyber, D&O, EPLI, and AI-related exposures Strategies for building stronger submissions and…

Construction Site Vandalism Exposes Equipment Coverage Gaps

Construction Site Vandalism Exposes Equipment Coverage Gaps

Inside This Article: Several pieces of heavy construction equipment were severely damaged in a recent vandalism incident at a California housing development. Damage to heavy equipment can create major financial and operational challenges for contractors, including project delays and replacement equipment costs. Contractors should review their Inland Marine Insurance and related coverages to ensure owned, leased, and borrowed equipment is adequately…

$1.5M Outback Steakhouse Lawsuit Alleges Mashed Potato Slip-and-Fall

$1.5M Outback Steakhouse Lawsuit Alleges Mashed Potato Slip-and-Fall

Inside This Article: A recent lawsuit against Outback Steakhouse seeks over $1.5 million in damages after a customer allegedly slipped on spilled mashed potatoes. Employee training and documentation can play a critical role when responding to slip-and-fall claims. Commercial General Liability (CGL) Insurance can help businesses respond to third-party bodily injury allegations. Rising claim severity is prompting many businesses to…

Construction Market Overview: Terms and Conditions That Can Impact Claims

Construction Market Overview: Terms and Conditions That Can Impact Claims

Key Takeaways: Seemingly minor changes in policy language can significantly alter how coverage responds for Construction risks, particularly when embedded within broader endorsements. Common exclusions and limitations—including Action Over, subsidence, and hot work provisions—can create gaps that may not be immediately apparent during placement. Aligning policy language with contractor operations and contractual obligations is essential to helping reduce unexpected coverage gaps and claim disputes. [button link=\"https://issuu.com/docs/f0637d3760be370e8b4a3620bbbbd7a0?fr=sN2E2MjkyMjc3ODc\"…

Report: Construction Defect Claims on the Rise

Report: Construction Defect Claims on the Rise

Inside This Article: Construction defect lawsuits are creating growing financial pressure for some of the nation\'s largest homebuilders, according to a recent Wall Street Journal report. Labor shortages, rising costs, and accelerated construction schedules may contribute to defect-related risks. Construction defect lawsuits often name contractors, architects, engineers, and other professionals, all of whom typically need to carry Commercial General Liability…

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As wildfires continue to affect communities throughout Los Angeles County, we want to express our heartfelt support for the residents, first responders, and all those working tirelessly to combat these devastating fires.

We understand the challenges posed by this crisis. If you need assistance or have questions about your client's coverage during this time, the team at Burns & Wilcox is here to help.