Proudly Serving Employers

Why Large Corporations Prefer to be Self-Insured

Your company may benefit from opting out of a traditional insurance plan in favor of self-insurance. Historically, only large corporations implemented their own insurance plans, but the potent combination of changes in health care regulations and rising premiums have enabled small to medium-sized businesses to take advantage of being self-insured. Why do large corporations prefer […]

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How OCIPs and CCIPs Encourage Safe Practices Part 2

Owner Controlled Insurance Programs (OCIPs) and Contractor Controlled Insurance Programs (CCIPs) can help reinforce the importance of safety on your project’s job site by incentivizing safety as a means to cut costs and increase profits. In part one of this two-part series, our Knoxville construction attorneys introduced wrap-ups, OCIPs and CCIPs, and explained how increasing […]

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How OCIPs and CCIPs Encourage Safe Practices Part 1

Owner Controlled Insurance Programs (OCIPs) and Contractor Controlled Programs (CCIPs), commonly referred to as “wrap-ups,” provide general liability insurance, workers’ compensation, and excess liability coverage for all major parties involved in a construction project over the duration of the time it takes to complete the project. OCIPs and CCIPs can help foster a culture of […]

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Honesty with Policies: Business Tactics Roofers Should Avoid

The demand for roofing work often increases after any natural disaster or, in Texas, after a severe storm. Insurance usually pays for roofing repairs after severe weather which results in roofers, some from out of state, appearing and increasing their advertising efforts to get a portion of the business.  Roofers should be aware that improperly […]

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Subcontractors Continue to be Plagued by Additional Insureds

Parties who are additional insureds (an entity that has been added to another entity’s insurance policy that do not have to pay premiums) on subcontractor Commercial General Liability policies have little incentive to take any preventive measures to ensure its negligence does not hurt a third party. Subcontractors that are named insureds must accept a […]

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Commercial General Liability (“CGL”) Policies and Attorney’s Fees

In a recent case out of Florida’s Fifth District Court of Appeal, the Court held that attorney’s fees awarded to a Plaintiff in a construction defect action against an insured contractor were covered under a supplementary payment provision in a CGL policy.  Specifically, in Mid-Continent Casualty Company v. James T. Treace, 41 Fla. L. Weekly […]

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Hurricane Roof Damages and Ordinance and Law Coverage

“Roy Jossfolk, v. United Property & Casualty Insurance Company, 38 Fla. L. Weekly D649a, Case No. 4D12-443, filed March 20, 2013.  Summary judgment for insurer for denial of “Ordinance and Law” coverage for hurricane roof damages was reversed based on such coverage not being originally appraised, but subsequently “incurred” (Ceballa v. Citizens Property Insurance Corp., […]

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General Liability and Additional Insureds

“University of Miami v. Great American Assurance Company, 38 Fla. L. Weekly D392a, Case No. 3D09-2010, filed February 2013.  Order of summary judgment in favor of insurer regarding indemnification of attorney’s fees and costs based on beach of insurance policy and bad faith was reversed in favor of the “additional named” party to the commercial […]

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