Scandals: Insurance Uncovered

Sixty Days to Indemnity

What Compressed Deadlines Mean for Risk TransferIn this Season 2 premiere of Scandals: Insurance Uncovered, Amy Lamb and Teresa Guertin unpack New York’s newlyenacted AVOID Act and the compressed deadlines now governing third party practice in construction litigation. Under the new law, defendants have just sixty days to bring contractual indemnity and impleader claims after answeringa complaint. What once allowed flexibility in third party claims strategy is now governed by strict timelines that could reshape how general contractors, subcontractors, carriers, and risk managers approach risk transfer. But this episode goes beyond a statutory breakdown. Amy and Teresa explore: * How compressed impleader deadlines may front load litigation * Why “kitchen sink” third party actions could increase * The cost shifting implications for carriers and insureds * What this means for documentation, site investigation, and contract discipline * How pending construction litigation may also be affected Although the AVOID Act is specific to New York, the structural implications reach far beyond one jurisdiction. Compressed timelines force clarity. They expose weak documentation. And they challenge long standing assumptions about how indemnity claims unfold. As the April 18, 2026 effective date approaches, construction professionals must rethink how quickly indemnity decisions are made. If you work in construction risk, coverage, claims, or contract management, this conversation is essential listening. ..... Resources from this Episode: New York State Senate — AVOID Act bill text and summaryOfficial legislative language for the Avoiding Vexatious Overuse of Impleading to Delay (AVOID) Act. New York Senate Bill S8071A (AVOID Act) — Text and Summary [https://www.nysenate.gov/legislation/bills/2025/S8071/amendment/A?utm_source=chatgpt.com] New York Workers’ Compensation Law § 11 — “Grave Injury” definition The statutory definition of a “grave injury,” which is an exception to certain limitations on indemnity/contribution. New York Workers’ Compensation Law Section 11 (Grave Injury) [https://www.nysenate.gov/legislation/laws/WKC/11?utm_source=chatgpt.com] ..... 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 [scandalsinspod@gmail.com]⁠ ..... Follow the Scandals: Insurance Uncovered Podcast: LinkedIn: ⁠⁠linkedin.com/company/scandalspod/⁠⁠ [https://www.linkedin.com/company/scandalspod/]Instagram: ⁠⁠instagram.com/scandalspod/⁠⁠ [https://www.instagram.com/scandalspod/]Facebook: ⁠⁠facebook.com/scandalspod⁠ [https://www.facebook.com/scandalspod]..... Connect with our hosts: Theresa Guertin & Amy Lamb ⁠⁠linkedin.com/in/theresaguertin/⁠⁠ [https://www.linkedin.com/in/theresaguertin/] ⁠⁠linkedin.com/in/amy-lamb-ba948528/⁠⁠ [https://www.linkedin.com/in/amy-lamb-ba948528/] ..... Review our show on Spotify or Apple Podcasts.

IRMI 2025 Recap

Amy Lamb and Theresa Guertin are back from the IRMI Construction Risk Conference 2025 and they brought stories,strategy, and a few conference confessions with them. This IRMI recap episode breaks down what actually matters once the badge is off and you are back in the inbox pile. In this conversation, Amy and Theresa dig into: * What made this IRMI Construction Risk Conference feel different and why fewer meetings led to stronger relationships * How intentional networking, courage, and curiosity open doors with senior leaders, clients, and future mentors * Why the IRMI Women’s Happy Hour and the influx of UGA risk management students felt like a turning point for young talent * Behind the scenes of Soledad and Theresa’s packed master class on wrap up placements for complex projects * How wrap up one oh one and more advanced sessions could work together as a full wrap up track at future conferences * Early warning signs in the market, including increasingly aggressive residential and mixed use exclusions in construction insurance policies * Advice for young professionals on picking up the phone, asking the questions that feel scary, and learning by doing * Why sobriety, boundaries, and life outside the conference hotel change how you experience events and your career If you are a construction insurance professional, risk manager, broker, or carrier partner who wants to get more out of conferences like IRMI, this recap will give you both practical takeaways and a reminder that relationships still drive this industry. Perfect for listeners interested in IRMI, construction risk, wrap up programs, OCIP placements, and the real life side of networking and career growth in insurance. ..... 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 [scandalsinspod@gmail.com]⁠ ..... Follow the Scandals: Insurance Uncovered Podcast: LinkedIn: ⁠⁠linkedin.com/company/scandalspod/⁠⁠ [https://www.linkedin.com/company/scandalspod/] Instagram: ⁠⁠instagram.com/scandalspod/⁠⁠ [https://www.instagram.com/scandalspod/] Facebook: ⁠⁠facebook.com/scandalspod⁠ [https://www.facebook.com/scandalspod]..... Connect with our hosts: Theresa Guertin & Amy Lamb ⁠⁠linkedin.com/in/theresaguertin/⁠⁠ [https://www.linkedin.com/in/theresaguertin/] ⁠⁠linkedin.com/in/amy-lamb-ba948528/⁠⁠ [https://www.linkedin.com/in/amy-lamb-ba948528/] ..... Review our show on Spotify or Apple Podcasts.

Death By A Thousand Endorsements: Unpacking Completed Operations, Wrap-Up Tails, and the Exclusions That Bleed You Dry

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. ..... 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 [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 [https://2284419.fs1.hubspotusercontent-na1.net/hubfs/2284419/Scandals%20Reference%20Files/2015.03.PCO%20Hazard%20&%20Wrap%20Insurance%20Whitepaper.pdf] ..... 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 [scandalsinspod@gmail.com]⁠ ..... Follow the Scandals: Insurance Uncovered Podcast: LinkedIn: ⁠⁠linkedin.com/company/scandalspod/⁠⁠ [https://www.linkedin.com/company/scandalspod/] Instagram: ⁠⁠instagram.com/scandalspod/⁠⁠ [https://www.instagram.com/scandalspod/] Facebook: ⁠⁠facebook.com/scandalspod⁠ [https://www.facebook.com/scandalspod] ..... Connect with our hosts: Theresa Guertin & Amy Lamb ⁠⁠linkedin.com/in/theresaguertin/⁠⁠ [https://www.linkedin.com/in/theresaguertin/] ⁠⁠linkedin.com/in/amy-lamb-ba948528/⁠⁠ [https://www.linkedin.com/in/amy-lamb-ba948528/] ..... Review our show on Spotify or Apple Podcasts.

The Phantom Payout: When One Loss Triggers Many Policies, But Only Pays Once

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. ..... 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 [scandalsinspod@gmail.com]⁠ ..... Follow the Scandals: Insurance Uncovered Podcast: LinkedIn: ⁠⁠linkedin.com/company/scandalspod/⁠⁠ [https://www.linkedin.com/company/scandalspod/]Instagram: ⁠⁠instagram.com/scandalspod/⁠⁠ [https://www.instagram.com/scandalspod/]Facebook: ⁠⁠facebook.com/scandalspod⁠ [https://www.facebook.com/scandalspod]..... Connect with our hosts: Theresa Guertin & Amy Lamb ⁠⁠linkedin.com/in/theresaguertin/⁠⁠ [https://www.linkedin.com/in/theresaguertin/] ⁠⁠linkedin.com/in/amy-lamb-ba948528/⁠⁠ [https://www.linkedin.com/in/amy-lamb-ba948528/] ..... Review our show on Spotify or Apple Podcasts.

The Joint Venture Jumble: When Contracts and Chaos Collide

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! ..... Resourcesfrom this Episode: Bacon Construction Co Inc v Ohio Security Insurance Co [https://2284419.fs1.hubspotusercontent-na1.net/hubfs/2284419/Scandals%20Reference%20Files/JV%20Case%20Files/Bacon%20Construction%20Co%20Inc%20v%20Ohio%20Security%20Insurance%20Co%20(1).pdf] Westfield Insurance Company v WalshK-Five JV [https://2284419.fs1.hubspotusercontent-na1.net/hubfs/2284419/Scandals%20Reference%20Files/JV%20Case%20Files/Westfield%20Insurance%20Company%20v%20WalshK-Five%20JV%20(1).pdf] Travelers Property Casualty Company of America v Harleysville Insurance Company of New York [https://2284419.fs1.hubspotusercontent-na1.net/hubfs/2284419/Scandals%20Reference%20Files/JV%20Case%20Files/Travelers%20Property%20Casualty%20Company%20of%20America%20v%20Harleysville%20Insurance%20Company%20of%20New%20York.pdf] 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. ..... 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 [scandalsinspod@gmail.com]⁠ ..... Follow the Scandals: Insurance Uncovered Podcast: LinkedIn: ⁠⁠linkedin.com/company/scandalspod/⁠⁠ [https://www.linkedin.com/company/scandalspod/]Instagram: ⁠⁠instagram.com/scandalspod/⁠⁠ [https://www.instagram.com/scandalspod/]Facebook: ⁠⁠facebook.com/scandalspod⁠ [https://www.facebook.com/scandalspod]..... Connect with our hosts: Theresa Guertin & Amy Lamb ⁠⁠linkedin.com/in/theresaguertin/⁠⁠ [https://www.linkedin.com/in/theresaguertin/] ⁠⁠linkedin.com/in/amy-lamb-ba948528/⁠⁠ [https://www.linkedin.com/in/amy-lamb-ba948528/]..... Review our show on Spotify or Apple Podcasts.