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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Connect with our hosts: Theresa Guertin & Amy Lamb

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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

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

Connect with our hosts: Theresa Guertin & Amy Lamb

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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

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

Connect with our hosts: Theresa Guertin & Amy Lamb

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Review our show on Spotify or Apple Podcasts.

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 ⁠⁠scandalsinspod@gmail.com⁠⁠

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Follow the Scandals: Insurance Uncovered Podcast:

LinkedIn: ⁠⁠linkedin.com/company/scandalspod/⁠⁠

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Facebook: ⁠⁠facebook.com/scandalspod

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Connect with our hosts: Theresa Guertin& Amy Lamb

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Review our show on Spotify or Apple Podcasts.

In this episode of Scandals: Insurance Uncovered, hosts Theresa Guertin and Amy Lamb return to untangle the next layer of additional insured (AI) endorsements. From broad form ISO endorsements like CG 2033 and CG 2038 to custom manuscript nightmares, they explore how language, privity, and policy design can make or break your coverage.

Whether you're an insurance pro, broker, or risk manager, this episode offers a deeper look into how endorsements affect ongoing vs. completed operations, contractual risk transfer, and the true meaning behind "blanket additional insured." Spoiler alert: It's not always what it seems.

You'll learn:

• The real difference between CG 2033, CG 2038, CG 2040, and CG 2039
• How privity requirements can leave insureds uncovered
• Why some manuscript endorsements are like playing Chutes and Ladders with your policy
• What courts have said (and not said) about blanket AI forms
• Red flags to watch for in policy schedules and contract language

Tune in and uncover the hidden traps in your endorsements—before they slide your client straight into a claim denial.

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Resources from this Episode:

CG 2033 07 04 – Broad Form Additional Insured Endorsement (Ongoing Operations)

CG 2038 12 19 – Broad Form AI Endorsement expanding beyond privity

SDV Law White Paper on State Farm AI Endorsements

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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

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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.

*EPISODE AUDIO DISCLAIMER*

As we continue to refine our recording process and optimize the sound quality of Scandals: Insurance Uncovered, you may notice some occasional audio pops, echoes, or jumbled moments in this episode. We appreciate your patience and understanding as we fine-tune our setup to bring you the best content possible.

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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 ⁠⁠scandalsinspod@gmail.com⁠⁠

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Follow the Scandals: Insurance Uncovered Podcast:

LinkedIn: ⁠⁠linkedin.com/company/scandalspod/⁠⁠

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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.

Welcome back to Scandals: Insurance Uncovered! In this episode, Theresa and Amy unpack the excitement, insights, and yes—scandals—they experienced at the annual IRMI Construction Risk Conference in sunny San Diego this October. From lively panels to ice sculpture mishaps, this episode has it all!

Tune in as your favorite insurance insiders discuss key industry trends, share behind-the-scenes stories, and reflect on the unique opportunities conferences like IRMI provide for connection and collaboration.

The Highlights of IRMI 2024: Key panels, discussions, and standout presentations, including a rare all-female panel led by Theresa’s colleague.

Networking at its Best: The importance of face-to-face meetings and how many companies, including CR Solutions, approach conferences differently.

The Ice Sculpture Incident: A rooftop party mishap you won’t believe!

The Rise of Data Centers: Exploring construction trends and the insurance implications for these high-value projects.

AI in Insurance: From artificial intelligence to additional insureds, how technology is shaping the industry.

Women in Insurance: The impact of initiatives like SDV’s Women’s Happy Hour and the importance of representation in the field.

Looking Ahead: A teaser of the next episode on GL policies, J, K, and L exclusions, and their connection to builders’ risk coverage.

If you're an insurance enthusiast, conference-goer, or just curious about the lighter (and occasionally scandalous) side of the industry, this episode offers a perfect blend of insightful discussion and entertaining stories.

Don’t forget to subscribe, leave a review, and email us your thoughts or questions!

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Resources from this Episode:

The Insurance Insider: https://www.insuranceinsider.com/

Insurance Tracking: https://c-r-solutions.com/top-5-insurance-tracking-administrators/

Learn more about Ann Hickman: https://www.irmi.com/biographies/ann-hickman

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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

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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/⁠⁠

.....

Review our show on Spotify or Apple Podcasts.