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 ⁠⁠[email protected]⁠⁠

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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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