Shows
Scandals: Insurance UncoveredThe Phantom Payout: When One Loss Triggers Many Policies, But Only Pays OnceWhat if you paid for 20 years of coverage—only to come up short?Amy and Theresa unpack anti-stacking endorsements: the quiet clauses that quietly slash insurance recovery whenclaims span years, policies, or joint ventures. If you think 5+5 equals 10 in insurance, this episode might surprise you.In this listener-requested episode, you'll learn:Why June 1st is peak renewal season—and a prime time for anti-stacking to slip inThe three key claim types where stacking matters mostHow a single clause can block stacking across years, insurers, or policy linesWhy multi-year triggers once helped policyholders—and how carrie...2025-07-1438 min
Scandals: Insurance UncoveredThe Joint Venture Jumble: When Contracts and Chaos CollideWhen two become one, who’s really liable? In this episode of Scandals: Insurance Uncovered, Amy and Theresa unravel the tangled world of joint ventures in construction and the insurance chaos that often follows. From surprising court decisions to critical contract language mistakes, this episode is a must-listen for anyone working with complex project structures.Key Takeaways:The surprising reason why joint venture partners might BOTH be liable, whether they know it or not.How poorly worded AI endorsements can lead to years of litigation (and who really foots the bill).Real-life case studies including Travelers v...2025-06-0947 min
Scandals: Insurance UncoveredClause & Effect: The Hidden Risks in Professional Liability ExclusionsYou think your general liability policy has you covered… until it doesn’t.In this episode of Scandals: Insurance Uncovered, Amy and Theresa unravel the often-overlooked (but highly consequential) world of professional liability exclusions. From shop drawings and design assist work to vague carrier language that leaves too much room for denial, they reveal how even the most routine construction tasks can trigger unexpected exclusions.You’ll learn:What actually counts as a “professional service” (and why the answer might surprise you)How to spot the fine print in ISO forms CG 2279 vs. CG 2243Why exclus...2025-05-1235 min
Scandals: Insurance UncoveredChutes, Ladders, & Liability: The Endorsement DilemmaIn this episode of Scandals: Insurance Uncovered, hosts Theresa Guertin and Amy Lamb return to untangle the next layer of additional insured (AI) endorsements. From broad form ISO endorsements like CG 2033 and CG 2038 to custom manuscript nightmares, they explore how language, privity, and policy design can make or break your coverage.Whether you're an insurance pro, broker, or risk manager, this episode offers a deeper look into how endorsements affect ongoing vs. completed operations, contractual risk transfer, and the true meaning behind "blanket additional insured." Spoiler alert: It's not always what it seems.You'll learn: 2025-04-1439 min
Scandals: Insurance UncoveredThe Policy Puzzle: Tracking the Evolution of the Additional InsuredsIn this episode of Scandals: Insurance Uncovered, Amy Lamb and Teresa Guertin dive deep into the evolving world of Additional Insured (AI) endorsements, exploring howISO forms have changed over time and what that means for policyholders, risk managers, and legal entities.Join us as we uncover:The history of AI endorsements: From the CG 20 10 11 85 to the latest editions.The shift from “arising out of” to “caused in whole or in part by”: What it really means for risk transfer.How case law (including Burlington and Hanover v. Philadelphia) has shaped the interpretation of AI language.The impact o...2025-03-1050 min
Scandals: Insurance UncoveredThe Liability Labyrinth: Navigating J, K, and L Like a True Detective
*EPISODE AUDIO DISCLAIMER*
As we continue to refine our recording process and optimize the sound quality of Scandals: Insurance Uncovered, you may notice some occasional audio pops, echoes, or jumbled moments in this episode. We appreciate your patience and understanding as we fine-tune our setup to bring you the best content possible.
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Scandals: Insurance Uncovered is back in 2025, kicking off the year with a deep dive into some of the most misunderstood—and litigated—exclusions in general liability insurance: J, K, and L.
What do these cryptic letters really mean...2025-02-1040 min
Scandals: Insurance UncoveredThe Secrets of IRMI 2024 Parties, Panels, and PredictionsWelcome back to Scandals: Insurance Uncovered! In this episode, Theresa and Amy unpack the excitement, insights, and yes—scandals—they experienced at the annual IRMI Construction Risk Conference in sunny San Diego this October. From lively panels to ice sculpture mishaps, this episode has it all!
Tune in as your favorite insurance insiders discuss key industry trends, share behind-the-scenes stories, and reflect on the unique opportunities conferences like IRMI provide for connection and collaboration.
The Highlights of IRMI 2024: Key panels, discussions, and standout presentations, including a rare all-female panel led by Theresa’s colleague.
Netw...2024-12-1731 min
Scandals: Insurance UncoveredThe Case of the Disappearing Coverage ClauseHave you missed us? Find us at IRMI CRC 2024 in beautiful San Diego, CA!
In this eye-opening episode of Scandals: Insurance Uncovered, hosts Theresa and Amy delve deep into the complex world of New York labor law and the infamous labor law exclusions that haunt contractors and insurance professionals alike. Join the hosts as they break down the origins of these laws, explore their modern-day impact, and uncover the shocking rise in fraudulent claims. This episode provides historical context and real-world scenarios, offering invaluable insights for contractors, general contractors, and insurance experts.
Topics Covered:
...2024-10-2540 min
Scandals: Insurance UncoveredThe Scope Exclusion EnigmaIn this info-packed episode of Scandals: Insurance Uncovered, insurance experts Amy Lamb and Theresa Guertin dive deep into the mysterious world of insurance exclusions and their far-reaching impact on the construction industry. With their signature blend of humor and expertise, they uncover the often-overlooked fine print in policies that can lead to costly mistakes.
Topics Covered:
The dangers of scope of work exclusions in construction insurance.
Real-world examples of classification codes and how they can undermine coverage.
Insights into business classification exclusions and their hidden pitfalls.
Shocking case studies, including a courier-turned-security guard who faced a...2024-09-2436 min
Inside InsightScandals - The Scope Exclusion EnigmaIn this info-packed episode of Scandals: Insurance Uncovered, insurance experts Amy Lamb and Theresa Guertin dive deep into the mysterious world of insurance exclusions and their far-reaching impact on the construction industry. With their signature blend of humor and expertise, they uncover the often-overlooked fine print in policies that can lead to costly mistakes.
Topics Covered:
The dangers of scope of work exclusions in construction insurance.
Real-world examples of classification codes and how they can undermine coverage.
Insights into business classification exclusions and their hidden pitfalls.
Shocking case studies, including a courier-turned-security guard who faced a...2024-09-2436 min
Inside InsightScandals - The Riddle of the Vanishing Additional InsuredIn this episode of Scandals: Insurance Uncovered, hosts Amy Lamb and Theresa Guertin delve deep into the legal and insurance implications surrounding a recent New York appellate court case that has shaken the foundations of additional insured endorsements. As they unpack the details of the New York City Housing Authority vs. Harleysville Worcester Insurance Company case, they explore the potential widespread impacts on the construction industry and insurance policies across the board.
Key Topics Covered:
The background and significance of blanket vs. scheduled endorsements in insurance.
Detailed analysis of the Harleysville endorsement and its controversial interpretation.
...2024-09-1738 min
Scandals: Insurance UncoveredThe Riddle of the Vanishing Additional InsuredIn this episode of Scandals: Insurance Uncovered, hosts Amy Lamb and Theresa Guertin delve deep into the legal and insurance implications surrounding a recent New York appellate court case that has shaken the foundations of additional insured endorsements. As they unpack the details of the New York City Housing Authority vs. Harleysville Worcester Insurance Company case, they explore the potential widespread impacts on the construction industry and insurance policies across the board.
Key Topics Covered:
The background and significance of blanket vs. scheduled endorsements in insurance.
Detailed analysis of the Harleysville endorsement and its controversial interpretation.
...2024-09-1738 min
Scandals: Insurance UncoveredThe Secret of The Shifting ExclusionIn this episode of Scandals: Insurance Uncovered, Theresa Guertin from Saxe Doernberger & Vita and Amy Lamb from CR Solutions dive into a complex yet critical aspect of construction insurance: wrap-up exclusions. Join them as they unpack the intricacies of these policies and their real-world implications for contractors and insurance professionals.
Topics Covered:
Understanding Wrap-Up Exclusions: What they are and why they matter.
The Evolution of ISO Forms: From the 1996 CG 2154 to the 2019 revisions.
Challenges in Coverage: How "involved" and "enrolled" language can impact claims.
Practical Tips for Contractors: Avoiding pitfalls when transitioning from wrap-up to traditional...2024-09-1029 min
Inside InsightScandals - The Secret of The Shifting ExclusionIn this episode of Scandals: Insurance Uncovered, Theresa Guertin from Saxe Doernberger & Vita and Amy Lamb from CR Solutions dive into a complex yet critical aspect of construction insurance: wrap-up exclusions. Join them as they unpack the intricacies of these policies and their real-world implications for contractors and insurance professionals.
Topics Covered:
Understanding Wrap-Up Exclusions: What they are and why they matter.
The Evolution of ISO Forms: From the 1996 CG 2154 to the 2019 revisions.
Challenges in Coverage: How "involved" and "enrolled" language can impact claims.
Practical Tips for Contractors: Avoiding pitfalls when transitioning from wrap-up to traditional...2024-09-1029 min
Scandals: Insurance UncoveredThe Case of The Mysterious Manuscript FormsIn this inaugural episode of Scandals: Insurance Uncovered, insurance experts Amy Lamb and Theresa Guertin delve into the complexities and challenges faced in the construction and insurance industries.
Through real-life case studies and engaging discussions, they unravel the intricate details behind insurance endorsements, additional insureds, and the pitfalls that can lead to costly litigation.
In this episode, we explore:
The importance of clear and precise contract language in avoiding insurance disputes.
Common scenarios where administrative oversight leads to significant coverage issues.
The evolution of insurance forms and endorsements, and their impact on coverage.
Real-world examples of...2024-09-0342 min
Inside InsightScandals - The Case of the Mysterious Manuscript FormsIn this inaugural episode of Scandals: Insurance Uncovered, insurance experts Amy Lamb and Theresa Guertin delve into the complexities and challenges faced in the construction and insurance industries.
Through real-life case studies and engaging discussions, they unravel the intricate details behind insurance endorsements, additional insureds, and the pitfalls that can lead to costly litigation.
In this episode, we explore:
The importance of clear and precise contract language in avoiding insurance disputes.
Common scenarios where administrative oversight leads to significant coverage issues.
The evolution of insurance forms and endorsements, and their impact on coverage.
Real-world examples of...2024-09-0344 min
Scandals: Insurance UncoveredWelcome to Scandals: Insurance UncoveredWelcome to Scandals: Insurance Uncovered—the podcast where we dig deep into the most controversial and complex cases in the insurance world. Hosted by industry experts Amy Lamb and Theresa Guertin, this show exposes the hidden truths, legal battles, and high-stakes decisions that can make or break your coverage.
In our trailer, get a sneak peek into what’s coming: real stories, raw insights, and unfiltered conversations that reveal the scandals behind the policies. Whether you’re in the industry or just curious about how insurance really works, this podcast is your go-to source for understanding the fine p...2024-08-3007 min
Inside InsightIntroducing Q&A with T&A (Now called Scandals: Insurance Uncovered)!The Inside Insight Podcast has a new segment! While we prepare for an upcoming conference season, we have a new series to introduce! You know and love them - Theresa Guertin & Amy Lamb team up again for their new show, Q&A with T&A (Now called Scandals: Insurance Uncovered)! Coming to you in September 2024
Mark Your Calendars! CR Solutions and the Inside Insight Podcast will be at IRMI this coming October 27–30, 2024, in San Diego, California!
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We want to hear from you and explore things you are interested in learning more about. Submit yo...2024-07-1605 min
Inside InsightFrom Policy to PracticeIn this episode of the Inside Insight podcast, we are joined by Theresa Guertin, Partner at SDV Law. With over a decade of experience advocating for policyholders, Theresa shares her profound insights into the intricate world of insurance coverage and litigation. Guest hosted
by Amy Lamb of CR Solutions, this episode dives into the nuances of insurance policy reviews, the evolving landscape of insurance, and the challenges faced
by coverage attorneys today.
Topics Covered:
Theresa’s Journey in the Insurance Industry: From law school to becoming a partner at SDV Law, learn about Theresa’s professional path...2024-07-0223 min