When 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. Harleysville and the hilariously named Bacon Construction case.
• Why defense costs can sometimes exceed the value of the claim itself and how to protect against it.
• The one contract clause that could save your company from a coverage nightmare.

Don’t let your next JV become a financial fiasco! Tune in now!

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Resourcesfrom this Episode:

Bacon Construction Co Inc v Ohio Security Insurance Co

Westfield Insurance Company v WalshK-Five JV

Travelers Property Casualty Company of America v Harleysville Insurance Company of New York

Resources are provided for educational purposes only and may not represent the most current version of these forms. Always consult your broker or carrier for current policy language.

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Have a burning insurance question or a case you want us to dissect? We're all ears! Submit your topics, cases, or any areas of interest, and let our hosts dive into the details. Reach out to us directly—your suggestion could be featured in an upcoming episode!

Reach us directly at ⁠⁠scandalsinspod@gmail.com⁠⁠

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LinkedIn: ⁠⁠linkedin.com/company/scandalspod/⁠⁠Instagram: ⁠⁠instagram.com/scandalspod/⁠⁠Facebook: ⁠⁠facebook.com/scandalspod⁠.....

Connect with our hosts: Theresa Guertin & Amy Lamb

⁠⁠linkedin.com/in/theresaguertin/⁠⁠

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Review our show on Spotify or Apple Podcasts.

You 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 2243
• Why exclusions from carriers like Hanover and Hartford are making brokers nervous
• Real trade examples where seemingly covered work crosses into exclusion territory
• The questions brokers should be asking when writing policies for contractors

If you’re in the business of reviewing policies, managing risk, or just trying to keep your coverage airtight—this episode is your new secret weapon.

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Resources from this Episode:

ISO CG 22 79 04 13

ISO CG 22 43 04 13

Hanover professional liability exclusion

Hartford BOP policy exclusion

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Have a burning insurance question or a case you want us to dissect? We're all ears! Submit your topics, cases, or any areas of interest, and let our hosts dive into the details. Reach out to us directly—your suggestion could be featured in an upcoming episode!

Reach us directly at ⁠⁠scandalsinspod@gmail.com⁠⁠

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Follow the Scandals: Insurance Uncovered Podcast:

LinkedIn: ⁠⁠linkedin.com/company/scandalspod/⁠⁠

Instagram: ⁠⁠instagram.com/scandalspod/⁠⁠

Facebook: ⁠⁠facebook.com/scandalspod

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Connect with our hosts: Theresa Guertin& Amy Lamb

⁠⁠linkedin.com/in/theresaguertin/⁠⁠

⁠⁠linkedin.com/in/amy-lamb-ba948528/⁠⁠

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Review our show on Spotify or Apple Podcasts.

In 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:

• The real difference between CG 2033, CG 2038, CG 2040, and CG 2039
• How privity requirements can leave insureds uncovered
• Why some manuscript endorsements are like playing Chutes and Ladders with your policy
• What courts have said (and not said) about blanket AI forms
• Red flags to watch for in policy schedules and contract language

Tune in and uncover the hidden traps in your endorsements—before they slide your client straight into a claim denial.

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Resources from this Episode:

CG 2033 07 04 – Broad Form Additional Insured Endorsement (Ongoing Operations)

CG 2038 12 19 – Broad Form AI Endorsement expanding beyond privity

SDV Law White Paper on State Farm AI Endorsements

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Have a burning insurance question or a case you want us to dissect? We're all ears! Submit your topics, cases, or any areas of interest, and let our hosts dive into the details. Reach out to us directly—your suggestion could be featured in an upcoming episode!

Reach us directly at ⁠⁠scandalsinspod@gmail.com⁠⁠

.....

Follow the Scandals: Insurance Uncovered Podcast:

LinkedIn: ⁠⁠linkedin.com/company/scandalspod/⁠⁠

Instagram: ⁠⁠instagram.com/scandalspod/⁠⁠

Facebook: ⁠⁠facebook.com/scandalspod

.....

Connect with our hosts: Theresa Guertin& Amy Lamb

⁠⁠linkedin.com/in/theresaguertin/⁠⁠

⁠⁠linkedin.com/in/amy-lamb-ba948528/⁠⁠

.....

Review our show on Spotify or Apple Podcasts.