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Past Articles

Admitted vs. Non Admitted Carriers
Article by Raymond Fuentes 01/2014
If you are a business owner conducting business in the state of California, it is very important to understand the difference between an “admitted” and a “non-admitted” insurance company.  To read the entire article, click on the link above.

 

Mold and Fungi Insurance Coverage
Article by Patrick Barnes, FPC Magazine, 02/2014
If you have read the exclusions in your General Liability policy, you will note they exclude organic pathogens, mold, or fungi.  All contractors that install fire sprinklers, plumbing, or HVAC have mold and fungi exposure that is excluded on their General Liability policy.  To read the entire article, click on the link above.

 

Errors and Ommissions Coverage
Article by Patrick Barnes, FPC Magazine, 01/2014
What does Errors and Ommissions (E&O) cover?  The answer to that question has two answers. To read the article in isn't entirety, click on the link above.

 

Don't Pay for Someone Else's Mistakes!
Article by Patrick Barnes, Sprinkler Age, 02/2008
The "Waiver of Transfer of Rights of Recovery Against Others to Us” endorsement is referred to as the “Waiver of Subrogation.” It is an endorsement that is required in many general contractors’ contracts... To read the entire article, click on the link above.

 

Waiver of Subrogation Endorsement on General Liability or Worker's Compensation
Article by Patrick Barnes, FPC Magazine, 09/2007
In this brief paper, I will try to explain how the Waiver of Subrogation could shift responsibility back to you on clains caused by the endorsement hold.  The Waiver of Transfer of Rights of Recovery Against Others to Us...To read the entire article, click on the link above.

 

General Liability Additional Insured Coverage Potential Problems
Article by Patrick Barnes, FPC Magazine, 07/2006
Many insurance companies providing liability coverage for contractors will provide a blanket additional insured endorsement so you don't have to buy them one at a time. Did you know that most of these insurance companies...  To read the entire article, click on the link above.

 

Coverage Gaps and Contract Traps
Article by Patrick Barnes, FPC Magazine, 09/2005
Wraps provide general liability insurance coverage for all eligible subcontractors under a single policy for specific projects and locations.  These are known as Consolidated (or Controlled) Insurance Programs (CIP) or... To read the entire article, click on the link above.

 

Insurance Perspective on Anti-Sprinkler Movements
Article by Patrick Barnes, FPC Magazine, 06/2004c
When I received the invitation from the editor of FPC to provide input on "Anti-Sprinkler Movements" I almost dismissed the topic, thinking "Who doesn't want to promote reducing the risk of loss oflife and property"?... To read the entire article, click on the link above.

 

Fire Protection Insurance Market Place Update
Article by Patrick Barnes, FPC Magazine, 12/2003
The insurance marketplace has. I settled down since my February I I/2003 article for FPC magazine. regardine the topic of additional insured endorsements.  The CG2010 11/85 additional insured endorsement is still lirnited... To read the entire article, click on the link above.

 

What Additional Insured Endorsement Will My Liability Insurance Company Provide?
Article by Patrick Barnes, FPC Magazine, 02/2003
As an agent in California, I review many of the insurance sections of my clients construction contracts to make sure they comply to the letter to their clients' demands. One of the most common demands is a specific additional...  To read the entire article, click on the link above.

General Liability Insurance Coverage for Fire Protection Contractors Post 911
Article by Patrick Barnes, FPC Magazine, 09/2002
As we all know, the world changed on September 11th. For commercial property and liability insurers, the World Trade Centerd isastewr asw hata ctuariesc all an "extreme event." The total insured losses are still unknown...  To read the entire article, click on the link above.

 

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