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$600K Insurance Dispute Exposes Critical Gaps in Subcontractor Coverage
Inside This Article: Subcontractor defaults are rising as labor shortages, material costs and economic pressures strain smaller firms. Many contractors wrongly assume that Commercial General Liability (CGL) Insurance covers all risks tied to subcontractor performance. Professional Liability Insurance, such as Errors & Omissions (E&O) coverage, addresses gaps left by CGL, in design-build projects. Subcontractor Default Insurance (SDI) can help…

Ask the Expert Q&A: Environmental Insurance
There are nearly 550,000 underground storage tanks (USTs) across the nation currently storing petroleum or other hazardous substances, according to the U.S. Environment Protection Agency. Leaks, spills and contamination from such storage tanks pose a significant environmental and legal risk for the tanks’ owners and operators, which include gas stations and fuel distributors, manufacturing and industrial facilities, and agricultural operations. …

Fan Fall at Ballpark Raises Liability Questions Tied to Alcohol Use
Inside This Article: A 20-year-old fan fell from the stands at PNC Park in Pittsburgh during a Pirates-Cubs game on April 30, suffering critical injuries. The man’s 21-year-old friend was charged with providing alcohol to a minor after allegedly buying him beer at the stadium. Stadiums that face claims or lawsuits over guest injuries typically have coverage under their…

$4.5M Ice Cream Sandwich Recall Prompts Lawsuit Against Insurance Broker
Inside This Article: Crave Better Foods, parent company of the Chipwich ice cream sandwich brand, is suing its insurance broker for failing to secure Product Recall Insurance, which the company claims could have offset $4.5 million in losses tied to a 2024 listeria-related recall. The lawsuit alleges professional negligence and misrepresentation, claiming the insurance broker did not reassess insurance…

Cheesecake Factory Fire Spreads Through Vents, 100+ Firefighters Respond
Inside This Article: A fire erupted in the kitchen of a Cheesecake Factory in Seattle, Washington, on April 19, quickly spreading to the building’s ventilation system. More than 100 firefighters responded to the fire, which investigators said was caused by a fryer. Structure fires are a serious risk for restaurants, causing an average of $165 million in damages per…

$10M Suit Filed by Moderna Over Mold, Water Damage at Manufacturing Facility
Inside This Article: Moderna is suing a construction firm for $10 million because of alleged defective work resulting in extensive water leaks, mold and structural damage. The lawsuit claims construction firm The Gutierrez Co. failed in the “design and construction” of the building’s core and shell, causing multiple issues. Non-weather-related water damage is a common issue for commercial properties,…

P&C Updates: Q2 2025
The E&S market surged to $81 billion in 2024 as demand grows amid ongoing CAT events, inflation concerns, and evolving underwriting strategies. From rate shifts and capacity trends to London market insights and tech-driven risk solutions, explore what is shaping Property & Casualty in Q2 2025 below.

P&C Report: 2025 Q2 Outlook
Key Takeaways: Rates are beginning to stabilize or even decline in some non-CAT areas. Market capacity remains healthy, particularly in non-admitted spaces, although often through layered placements, which are becoming more common. Carriers are increasing reliance on exclusions and higher deductibles to manage risk. Wildfire and convective storm risks are driving significant change in both Personal and Commercial Insurance.…

2 Cranes Fall from Building, Raising Insurance Concerns
Inside This Article: Two “spyder” cranes came crashing down onto a scaffolding outside a 12-story building that was under construction. No injuries were reported related to the incident, which occurred just a day after a partial stop-work order at the site was rescinded. This type of incident could lead to reputational damage as well as costly lawsuits, which can…

$26M Lawsuit Highlights the Steep Risk of Design Delays for Architects
Inside This Article Architecture firm Cooper Carry is being sued by the owner of a Hilton hotel project for delays that reportedly led to $26 million in additional costs. When facing litigation, architects may incur significant defense costs and rectification expenses, in addition to reputational damage. Lawsuits against design professionals can be covered by Architects & Engineers Professional Liability…

Video: Commercial Insurance Q2 Outlook
Watch below as Connor Farquharson, Manager, Commercial Insurance, Burns & Wilcox, Dallas/Fort Worth, TX, breaks down today’s evolving Commercial Insurance landscape—where some markets are softening while others, like Transportation and Liquor Liability, continue to harden nationwide. https://vimeo.com/1073993370/1b7518d264?ts=0&share=copy For more insights, watch the full P&C Market Outlook Q2 2025 webinar recording.

Video: E&S Solutions for Professional Liability Insurance
Watch below as Matt Baxter, Director, Professional Liability, Burns & Wilcox Brokerage, Atlanta, GA, explains why exploring E&S options for Professional Liability—even when admitted markets are available—can uncover creative solutions and key coverage enhancements for your clients. https://vimeo.com/1073992292/e09876084f?ts=0&share=copy For more insights, watch the full P&C Market Outlook Q2 2025 webinar recording.
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