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Maureen Gallagher

Maureen Gallagher
COVID-19 has taken the world by storm and changed the way we live our day to day lives. New questions surrounding the pandemic and insurance emerge daily, while changes to the insurance landscape loom. With more and more employees being forced to work from home, NCCI has provided guidance on how to classify...
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By Maureen Gallagher, 04/07/2020
The coronavirus pandemic has resulted in many more people working from their homes than ever before. To understand the effect of employees working from home on workers compensation coverage, we’ve presented the hypothetical scenario below and three ways coverage may or may not be applied: Hypothetical...
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By Maureen Gallagher, 02/27/2020
Too often, the focus of umbrella/excess (excess) placements is limit and premium. This is especially true when the excess says, “follow form.” The excess policy is not reviewed because it is assumed all the primary terms and conditions of the primary are the same in the excess. As a general matter,...
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By Maureen Gallagher, 01/23/2020
Traditionally, insurance professionals and buyers have focused on how to protect the company from unintended events that can lead to property damage, financial loss, injuries or even death. Over the last few years, deadly active assailant events have added a new area of concern. Real estate owners are especially...
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Adding volunteers as employees to the CGL eliminates built-in coverage. Volunteers have unique benefits under the commercial general liability (CGL) policy not available to employees. The unmodified CGL policy will: Provide defense to businesses with volunteers named in a claim or lawsuit as well as to...
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Claims happen worldwide every day. Thankfully, insurance carriers are in the business of paying these claims. The issue arises on more complex claims, where the potential loss is larger and coverage hinges on a condition in the policy. Insurance carriers can be very creative when it comes to drafting language...
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There is more than one path a property owner may take in determining property insurance limits and these various paths result in different insurance programs, thus different costs. Likely the most common path today would be the respected Industry Property Modeling results, normally calculated by insurers or...
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At AssuredPartners, we are often asked, “What can my company do to control our workers compensation expense?” and our answer is never simple. We have broken down the keys to a successful workers compensation program into four elements depicted below, including an organization’s culture, the...
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Certificates of Insurance are informational snapshots issued by or, more commonly, on behalf of, insurance companies. These certificates are used to provide the ‘Certificate Holder’ with courtesy summaries that verify the existence of insurance, including the Insured’s coverage and limits. When...
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