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Perspective

Subrogation and the Waiver

In our Waiver of Subrogation article featured in INTECH’s Winter Newsletter, subrogation occurs when…

Delay in start-up coverage explained

Delay in start-up coverage is designed to cover the loss of the anticipated or potential income in the event a construction project suffers physical loss or damage during construction.

Environmental Insurance Protection: Sudden & Accidental Liability vs Environmental Impairment Liability

The discovery of an unexpected pollution condition on your property can be very costly and time consuming.

Latent Defects Insurance in the UK & North America

Latent Defects Insurance (LDI) or as it has historically been known, inherent defects insurance has been readily available in the UK market since 1989.

Commercial Flood Insurance

A property insurance policy requires a property owner/manager to take all reasonable steps to minimize the effect of a loss.

Construction Insurance Program Control: What an Owner should consider

It is imperative to ensure the construction construction contract is negotiated with detailed insurance requirements, including the timing and responsibility for insurance placement and the responsibility of premium and deductible payments.

Corporate Director Responsibilities for Cyber Risk Management

Cyber-attacks can be rapid, highly damaging and public, and have negative impact on investor and customer confidence, affecting an organization’s credit worthiness and exposure to civil liability.

FIRE AT A NEIGHBOURING BUILDING: How it can affect your business

On February 14th, 2017 a massive six-alarm fire destroyed a historic three-storey athletic club in Toronto and forced the evacuation of many adjacent buildings.

Insurance Relationships between Condominium Corporations and Unit Owners

With the ever increasing popularity of condominium investments and development it is becoming common for investors, stakeholders, developers and others to purchase “blocks” condominium units with the purpose of generating rental income or a return on investment.

What Project Owners Need to Know About Professional Liability on Construction Projects

Traditional property insurance policies obtained on construction projects are designed to provide insurance coverage to the owner of a project, and other stakeholders involved, for direct physical loss or damage to the property from any fortuitous loss, subject to usual policy language, conditions, and exclusions.

Subrogation

If you have been involved with an insurance claim or a contract negotiation of any nature, you have undoubtedly come across the term “subrogation”. But what is subrogation?

Computer Crime

As technology evolves there are new ways of cracking firewalls and creatively defrauding the system.

Replacement Cost Policies versus Actual Cash Value Policies

Replacement Cost and Actual Cash Value are two common methods by which insurance companies will calculate the amounts it will pay the insured for property losses.

Protecting a company when employees use their personal vehicles on company business

If employees use their personal vehicles on company business, do they need to be added to the company’s automobile policy?

Total Completion versus Substantial Completion

The issue of relying on Substantial Completion as a coverage termination date is that construction activity often continues on site for several months after substantial completion has been reached.

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