Scandals: Insurance Uncovered

The Liability Labyrinth: Navigating J, K, and L Like a True Detective

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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 in a CGL policy? And more importantly, what coverage nightmares do they create for policyholders? Join hosts Amy and Theresa as they dissect these exclusions, uncover real-life implications, and explore why courts across the country are still fighting over them.

In this episode, we explore:

  • What J, K, and L actually exclude—and why they matter so much in construction insurance
  • How ‘that particular part’ creates coverage confusion and what it means in practice
  • The ongoing legal battles over these exclusions—with
    • a special focus on New York case law
  • How courts interpret ‘occurrence’ and the impact on coverage for faulty work
  • Why general contractors should care about the ‘subcontractor exception’ in Exclusion
  • Strategies to mitigate risk—including endorsements that can prevent coverage denials

    • Whether you're an insurance professional, contractor, or legal expert, this episode will sharpen your understanding of these infamous exclusions and their impact on real-world claims.

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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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    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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    Scandals: Insurance UncoveredBy Theresa Guertin and Amy Lamb