Just because the work is done doesn’t mean your coverage is.

In this season finale of Scandals: Insurance Uncovered, Amy and Theresa dig into the messy, misunderstood world of completed operations coverage — and why the most dangerous endorsements don’t show up until long after the project ends.

From wrap-up tail coverage to exclusions J and L, this episode pulls back the curtain on how “completed” work can still trigger very active liability. Plus, the story of a retired contractor, a forgotten policy, and a six-figure payout that nearly disappeared.

In this episode, you’ll learn:

• What the Products-Completed Operations (PCO) Hazard really covers
• The difference between a PCO hazard and a PCO extension
• Why wrap-up tails are only as strong as your excess carrier language
• How exclusions J(6) and L draw the line between covered and denied
• When punch list and warranty work can blow up your completed ops assumptions

Season 1 may be wrapping up, but this episode is just the beginning of the conversations we need to have aboutcoverage that lingers long after the job is done.

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Resources from this Episode:

Products-Completed Operations Cheat Sheet

A quick reference guide to completed ops basics

This one-page summary breaks down what the PCO hazard actually covers, how it differs from a PCO extension, and where it shows up in exclusions, limits, and endorsements. Perfect for internal training or a compliance refresh.

Download here: https://2284419.fs1.hubspotusercontent-na1.net/hubfs/2284419/Scandals%20Reference%20Files/Scandals%20PCOs%20Cheat%20Sheet.pdf

SDV Law Whitepaper: The Products-Completed Operations Hazard & Wrap-Up Insurance

Understanding coverage for warranty work under wrap-ups

This in-depth whitepaper from SDV Law explores how bodily injury claims during warranty work should be handled under a wrap-up policy. Includes real-world hypotheticals, policy language breakdowns, and key reminders about PCO hazardextensions and repair work endorsements.

Download here: https://2284419.fs1.hubspotusercontent-na1.net/hubfs/2284419/Scandals%20Reference%20Files/2015.03.PCO%20Hazard%20&%20Wrap%20Insurance%20Whitepaper.pdf

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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 anyareas 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 ⁠⁠scandalsinspod@gmail.com⁠⁠

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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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Review our show on Spotify or Apple Podcasts.

What if you paid for 20 years of coverage—only to come up short?

Amy and Theresa unpack anti-stacking endorsements: the quiet clauses that quietly slash insurance recovery whenclaims span years, policies, or joint ventures. If you think 5+5 equals 10 in insurance, this episode might surprise you.

In this listener-requested episode, you'll learn:

• Why June 1st is peak renewal season—and a prime time for anti-stacking to slip in
• The three key claim types where stacking matters most
• How a single clause can block stacking across years, insurers, or policy lines
• Why multi-year triggers once helped policyholders—and how carriers are reversing that
• The hidden relationship between SIRs (self-insured retentions) and stacking limits
• Why the word “you” might not mean you in your policy—and how that gets used against you

Recorded on Friday the 13th (yes, really), this episode is part policy lesson, part horror story. Amy and Theresaalso reflect on one year of Scandals as they prepare to wrap up Season 1—with one last summer episode to go.

Key Terms Explored:

Anti-Stacking Endorsements, Long-Tail Claims, Joint Ventures, Construction Defects, SIRs vs. Deductibles, Horizontal Exhaustion

Listener Tip:

If your policies involve overlapping coverage, anti-stacking endorsements could quietly shrink your limits. Always read your forms—and never assume coverage stacks the way it should.

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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 anyareas 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 at ⁠⁠scandalsinspod@gmail.com⁠⁠

.....

Follow the Scandals: Insurance Uncovered Podcast:

LinkedIn: ⁠⁠linkedin.com/company/scandalspod/⁠⁠Instagram: ⁠⁠instagram.com/scandalspod/⁠⁠Facebook: ⁠⁠facebook.com/scandalspod⁠.....

Connect with our hosts: Theresa Guertin & Amy Lamb

⁠⁠linkedin.com/in/theresaguertin/⁠⁠

⁠⁠linkedin.com/in/amy-lamb-ba948528/⁠⁠

.....

Review our show on Spotify or Apple Podcasts.

When two become one, who’s really liable? In this episode of Scandals: Insurance Uncovered, Amy and Theresa unravel the tangled world of joint ventures in construction and the insurance chaos that often follows. From surprising court decisions to critical contract language mistakes, this episode is a must-listen for anyone working with complex project structures.

Key Takeaways:

• The surprising reason why joint venture partners might BOTH be liable, whether they know it or not.
• How poorly worded AI endorsements can lead to years of litigation (and who really foots the bill).
• Real-life case studies including Travelers v. Harleysville and the hilariously named Bacon Construction case.
• Why defense costs can sometimes exceed the value of the claim itself and how to protect against it.
• The one contract clause that could save your company from a coverage nightmare.

Don’t let your next JV become a financial fiasco! Tune in now!

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Resourcesfrom this Episode:

Bacon Construction Co Inc v Ohio Security Insurance Co

Westfield Insurance Company v WalshK-Five JV

Travelers Property Casualty Company of America v Harleysville Insurance Company of New York

Resources are provided for educational purposes only and may not represent the most current version of these forms. Always consult your broker or carrier for current policy language.

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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 ⁠⁠scandalsinspod@gmail.com⁠⁠

.....

Follow the Scandals: Insurance Uncovered Podcast:

LinkedIn: ⁠⁠linkedin.com/company/scandalspod/⁠⁠Instagram: ⁠⁠instagram.com/scandalspod/⁠⁠Facebook: ⁠⁠facebook.com/scandalspod⁠.....

Connect with our hosts: Theresa Guertin & Amy Lamb

⁠⁠linkedin.com/in/theresaguertin/⁠⁠

⁠⁠linkedin.com/in/amy-lamb-ba948528/⁠⁠.....

Review our show on Spotify or Apple Podcasts.