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Professional Liability Insurance

Posted: 03/23/2017

 business   risk  

Almost every business or firm can become liable for injury to others resulting from a condition on its premises or arising out of its operations, products, completed work or actions of its employees.

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    Update on Past Articles

    Posted: 11/06/2016

     business   risk  

    Here are a few updates on the past risk articles.

    Anti-Indemnity Statute

    Posted: 10/11/2016

     business   risk  

    Indemnity clauses generally are more common to construction projects primarily due to the risks involved maintaining a safe work environment.

    Ordinance or Law Coverage

    Posted: 08/05/2016

     business   risk  

    The situation can be specifically addressed by working with your insurance advisor and construction professional who are versed in coverage and current code requirements.

    Directors and Officers Insurance

    Posted: 07/06/2016

     business   risk  

    Directors & officers of a corporation may be subject to personal liability for acts performed in their duties as an officer or director.

    Does Faulty Workmanship Qualify as an Occurrence

    Posted: 04/15/2016

     business   risk  

    A question asked, and tried to be answered, in many different courts! Numerous articles have been written and rewritten, along with state and federal court decisions, that all address the same question: Is faulty workmanship an occurrence?

    TNC Update & Montana & the Ride-Share Industry

    Posted: 02/26/2016

     business   risk  

    Transportation network companies (TNC's) have become a viable part of the sharing economy.

    The Independent Contractor-Addressed Again??

    Posted: 01/02/2016

     business   risk  

    After a Montana Supreme Court decision in 2003, "Kelly Wild vs Fregein Construction", significantly changed the status of independent contractor exemptions, the 2005 Montana Legislature re-established the conclusive status of the IC exemption certificate.

    Buying Workers' Compensation Insurance

    Posted: 11/16/2015

     business   risk  

    In Montana, every employer who has an employee is required to purchase, or self insure, coverage for an injury or illness arising out of and in the course and scope of employment.

    Condominium Association Insurance

    Posted: 10/05/2015

     business   risk  

    The condominium association business is managed by its by-laws and declarations. These are unique to each association and deal with the day-to-day obligations and duties of the board and unit owners.

    Triggering Property Insurance Coverage---Maybe!

    Posted: 06/06/2015


    Insurance contracts are constructed with the intent to provide coverage for certain risks of loss, but not for all of them.

    Insuring the Boss

    Posted: 04/24/2015

     business   risk  

    Workers' Compensation Coverage is generally always a substantial cost item in any business financial statement. Therefore, business owners pay special attention to the various methods in containing those costs.

    "The Bakken and Workers' Compensation Coverage"

    Posted: 03/13/2015

     business   risk  

    The Bakken oil patch has provided great opportunities for employment for numerous workers. With work opportunities naturally goes the need for workers' compensation insurance coverage.

    "All I want is a Quote..."

    Posted: 02/04/2015

     service   risk  

    Insurance consumers have become very price conscious and from time to time they will seek quotes to see if they can improve their rates.

    An Insurance 'Intermediaries' Duty to the Client

    Posted: 02/04/2015

     business   risk  

    The question can then be asked: What are the duties to the client while acting in either capacity?

    Buying Insurance---in 15 Minutes or Less?

    Posted: 01/04/2015

     business   risk  

    This is where the need for a face-to-face with an insurance agent/broker is a must!

    Workers' Comp. and the Independent Contractor

    Posted: 12/02/2014

     business   risk  

    Montana was one of the first states to enact legislation relating to the needs of injured workers.

    Negligent Entrustment

    Posted: 11/01/2014

     business   risk  

    In a claim for negligent entrustment you will have cause to pursue not only the driver of the vehicle for compensation, but also the owner!

    Occurrence vs. Claims Made..& Switching!

    Posted: 10/06/2014

     business   risk  

    Generally all Property/Casualty policies you purchase will fall into one of two categories-"Occurrence" or "Claims Made".

    "Claims Made"------and "Reported"

    Posted: 08/04/2014

     business   risk  

    There are two distinct "Claims Made" policy forms and the difference can determine the outcome of a potential claim.

    A Serious Gap in Homeowners Insurance Coverage

    Posted: 07/01/2014

     business   risk  

    A number of surveys and studies have clearly indicated that consumers are largely unaware of the potential coverage gap that may be created by certain occupancy situations.

    Managing Risk

    Posted: 06/01/2014

     business   risk  

    Risk is the uncertainty of loss. It is not knowing when or how a loss of property or income will occur

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